My debt-to-income levels, by conventional banking standards, are good but not great.

Liquidity is dry, debt is super super high on credit/auto.

According to multiple banks they can only count 75% of the income of each property which is really jacking up our Debt To Income. 

The property is in a prime location, close to Old Town Clovis, Fresno State, and outdoor activities.My debt-to-income (DTI) ratio is currently at 50%, but will drop to around 38% in April when my average income increases to $144k (its already there but for loan reasons it needs 2 years of tax returns)..

What are the potential tax implications ups and downs of transferring the residential property to business ownership and then acquiring debt on it?

If you're making 4.5% now, you'll pay more servicing the debt on a HELOC.

An agent who invests themselves will often have insights into investor-friendly lenders and can help you navigate the requirements, including debt-to-income ratios and how to factor rental income into your mortgage qualification.

Then eliminate areas you cannot or do not want to invest in and develop your strategy.

However, the lender will consider the rental income from the other unit when calculating your debt-to-income ratio.Here’s what you need to know:- **Interest Rates**: You might not have to pay higher rates just because it's a duplex.

How I understand it is: charging order protection shields LLC assets from being seized to settle personal debts or judgments against its members.