You can decrease or completely eliminate your monthly housing expenses, cashflow on top of that, gain appreciation, benefit from the tax advantages etc. 

@Roy Puli - Definitely house hack first and eliminate your largest expense, housing.

Take control of your personal finances right now, eliminate expenses that are not essentials (Netflix, car payments, that new $1000 iphone, that $120/month cable bill, etc) and start saving up that excess so you can invest.

Your option probably to pay points, so you could eliminate that

The red-light districts were a rational acknowledgement that there are certain behaviors that will never be eliminated in a democratic society, and rather than waste a lot of time and effort trying to eliminate them, corral them into one area that can at least be controlled.

The ease of operation from tokenization will make the benefits of real estate more accessible to the average citizen and spread it across more asset classes. 2) Less intermediaries required in real estate transactionBlockchain will eliminate the need for intermediaries in real estate transactions.

I'm looking for a way to eliminate this issue when it comes to buying our personal house and keep it from affecting our ratio.

This is a nice balance to work with just one LLC/account but be able to "sluff it off" to effectively eliminate/mitigate your risk since the entity will/could be dissolved by the time somebody wanted to file suit or something. 

Trevor - thanks ...if its your primary - then  75% will be the max  ltv  for a  cash out  refinance ...what do you think market  value  is  for the  property .......fyi - the comments on FHA loans is accurate - the  mortgage insurance is permanent  and the only way to eliminate it is to refinance the loan to a  conventional loan .......fyi - you are not allowed  to " convert"  a  FHA loan to conventional  loan ......fyi - there are  some  conventional loans that  allow   as little as  3-5% down 

I think we could get a little more in rent if we have HVAC, it will definitely look better and I can eliminate the cost of oil (400 a month).