A lot of forum members are experts in their respective fields related to real estate investing, whether that is real estate sales, wholesaling, flipping, buy and hold investing, lending, self-directed IRA and Solo 401k investing, or tax and legal guidance.There are some pretty nice discounts on many products and services offered as Perks to BP members that you might want to check out: https://www.biggerpockets.com/perks/proIf you haven’t been to it already, the Bigger Pockets blog features links to their fantastic podcast and many great articles: https://www.biggerpockets.com/renewsblog/The site has quite a few tools that can be helpful for new members.

Need some advice.I do some small private money lending to home flippers.

THEN, I plan to purchase the second home using a FHA or conventional loan (3%-5% down), for which I will likely pay the monthly cost out-of-pocket, maybe with some rental income support if it is a duplex.My concern is, I do not want to spend my savings or weigh down my debt-to-income ratio so much so that I cannot qualify for and pay the down payment and closing for the lending on the second home.Questions: - With the first home being multi-family, 75% of the rental income (or potential rental income initially) will relatively either maintain or boost my debt-to-income ratio from lenders' perspectives, right? 

Our members do everything from Flipping, Buy & Hold, Wholesaling, Realtor work, money lending, etc.

But, insurance costs are likely to rise, making getting mortgages for most people even harder to get.What is likely to happen is more creative financing going forward, private lending to increase and smaller houses being built in the future. 

A solid broker has established lending relationships.

It may be similar to other commercial lending options, but it really depends on the type of property and the procedure of the specific lender you're working with.

We've helped a handful of investors maximize their investments over the past several years and anticipate a robust demand if/when the tax cuts are re-instituted. 

Pricing higher than a bank ( if you can actually get a bank to lend you money in the first place)2.

Most traditional lender business purpose lenders will not lend on rural properties or in small communities.