It also includes debt tracking and seven years of history.

Eliminate debt, establish a budget, and save.

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.

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)..

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.

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.

I've done post cards etc. 

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