Even with low expenses and no bad debt it's financial suicide given our income. 

Leverage Equity WiselyTapping your home equity via a HELOC or cash-out refinance can accelerate your multi-family investments, but you must factor in the debt service to ensure it doesn't kill your cash flow.

We are partially owned as of 2022 by Sumitomom Forestry, which means we have no bank debt and self fund all our building projects. 

Or are you the flipper that will be taking on debt to fund your flip?

DCSR loan qualifications are based off teh property's income, not yours personally.There are lenders out there who will provide short term 'bridge' debt to rehab prior to cash flow. 

Thanks for the response Tyler, only issue is, financing is provided based on the deal, and this is where I'm stuck. when you say have the financing ready to jump on any good deal, I hear you and agree with you, but like I said, debt or equity investors would want to see the deal first before signing any agreements.

Hi Art, when buying real estate in a Self Directed IRA it's typically recommended the property is paid in cash and holds no debt.

@William CoetGPs are signing on the debt, finding, managing and running day to day.

In the meantime, we have been buying properties with debt from owners and others directly from the bank in Valencia. 

We've been working on debt, credit ratings, and redoubling our efforts to go from wholesaling to rentals.