To tackle this situation and get your debt-to-income (DTI) ratio in line before closing, we need to break it down:1.

Eliminate debt, establish a budget, and save.

. :)  but my equity share is controlled via debt or direct ownership. 

@Gino BarbaroWe are a debt fund and have bought and sold more loans than ever this year.

Depends upon if you're going it alone, what type of deals are you targeting, do you have someone who can qualify for debt, are you going to keep your job while investing in real estate, how long can you go before taking a paycheck from the business.These are just some of the questions you need to answer.

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

Focus on bringing your current debt current.

Your details are too vague because you don’t give your exit strategy and therefore a lender cannot figure his and consequently cannot figure out the interest rate he should charge.At one point or another, debt has to be repaid.

The main qualification is the debt service ratio and what the lender considers the minimum they will accept. 

Planning to purchase in Phx,Az and surrounding areas, my equifax score is 700, experian 645,no debt whatsoever, have 1099 for 2022 and 2023 (required 2yrs), on my 1099s it says i make 135k per year, do not have tax returns (yea, yea), im planning to first start with my bank wells fargo.This would be my first home and at 1st plan to live in it, possible house hack, going for a -$300k loan. should i go traditional, fha , i plan to be on a fixed rate so I dont get surprises later on.In my situation, what down payment amount do you think will be needed .