Quote from @Anthony Rondinelli: Hi,If I want to maintain a healthy DTI for a primary residence conventional loan in a couple years, what should I be aware of, or what strategies must I employ?

  $1,500 is a ton of money for a 17 year old.

Now i'm planning on being around 85 units end-of-year.

We have worked with a business note buyer over the years and the yields are in teens. 

I would underwrite buyers based on stability of income, financial payment history & ability to pay.

Expect 30-year fixed terms for the most part.

Given his history prior to all this, namely the ugly stuff in his history, I don't think there will ever be full clarity of it all because I am certain he is laser focused on obfuscating it as much as possible. 

Can try to reposition to Class B, but neighborhood may impede these efforts.Vacancy Est: Historically 10%, but 15-20% should be used to also cover tenant nonpayment, eviction costs & damages.Tenant Pool: majority will have FICO scores of 560-620 (approaching 22% probability of default), many blemishes, but should have no evictions in last 2 years.

I'm not too familiar with the markets yet but research I've done suggests that the towns of New Britain, New Haven and Hartford all have a good mix of inventory and low prices coupled with plenty of amenities, night life, cafes, etc and local colleges to bring younger people to the area year after year.

If your entity has several years of operating history and good and reliable financials, you may be able to find something.