sorry...forgot the link...https://www.unionbank.com/global/help/personal-banking/home-equity-options-faq.jsp

More than 35000 participants and 280 exhibitors committed at the cityscape event held in Dubai on Sunday 21 September 2014.The big projects revealed worth billions of dirhams at the cityscape event.

Here's the transcript if anyone is interested. http://www.npr.org/2014/10/09/354846672/bad-paper-explores-the-underworld-of-debt-collection I didn't know there was a Global Debt Registry (http://www.globaldebtregistry.com/)  and Debt Lookup (https://debtlookup.com/home/lookup ).

HI Michael,Being in the position I am in I believe the reason for investors who hit this so called "wall," is because they focus on acquisition of assets not focusing on what the bank focuses on which is a the personal financial statement.If an investor can optimize their assets, liabilities, equity, and cash flow then they can get as much money from banks as they want.Lenders in the 10+ space generally look at debt service coverage ratio for the property, global debt coverage ratio, and net worth.Example:Global debt coverage ratio -  passive income $10,000 per month versus all expenses and net liabilities $2500  =  4.0x cash flowIf a borrower had a high global cash flow  and a high net worth then getting loans is easy the problem is most REI's dont focus on designing their PFS ahead of the actual financing need. 

I think this is what Chris and Joel was talking about so you can be more accurate with the goals and specifics on the 100k.Generally a PFS is to see how the debt coverage of the property you're applying for will affect your current financial scenario.If you have a very high level of global cash flow which is cash flow monthly / monthly cash out flow  = percentage of global debt coverage as a "whole."

I ran an international trading company for 7 years, until the "Global Economic Meltdown" finally put me out of business in 2011. 

It will really help you track your "net cash flow," your "net worth," and the type of assets, liabilities, and consistency of your income/expenses to have a global view of your finances.

http://chicago.curbed.com/archives/2014/04/29/chicago-is-the-7th-most-globally-integrated-city-in-the-world.phpGood luck!

The reserve amount to increase with each new booked loan.Financial Covenants:  Maintain a minimum debt service coverage ratio of 1.2x's both individually and globally for the entire term of the loan.Other Conditions:  Any, and all, entity owner/purchaser business organization documents shall be required for review by ( bank name ) at least 10 days prior to settlement i.e.

Furthermore, our weightings are not globally fixed, but will vary depending upon the area:  viz. a 3, or 4-bdrm flat gets a higher weighting in universityville, than it would in the areas where young professionals are the target clientele.   2-bdrms in most of our areas are the baseline (weight 1) and the others are deviations from that point.