Credit scores are tricky because there could be items like medical debt or student loan debt that weighs the score down. 

the leverage of buying with debt, the mortgage paydown, the potential for appreciation, the potential tax benefits.a good market is one you can be successful in. 

A child support or alimony order is a debt, it only becomes income when it gets paid out and that is when it counts as income for an applicant of mine.

You can refinance with a loan that uses your personal income and debt to income / DTI ratio or a DSCR loan that will use the rental income to structure the loan. 

Im making 85k on w2, $1,600/mo. mortgage, no car payments, no credit card debt.

House debt: 7500.004.

It would be a "DSCR" loan in the sense that it would need to debt cover, but not the same formula as the 1-4 units (rent/PITI).

Once you move out in 6-12 month you now have 4 units debt servicing the mortgage and cash flow.

The asset was purchased for $20.2 million with assumed fixed Fannie Mae debt at 4.91% (term through 3/2034).There was a good bit of understandable discussion about the terms…how we mitigate risk for ourselves and investors.

Mezzanine Debt and Preferred Equity.