Some strategies to get around are:1. leverage your current portfolio and buy in cash, increase value, and then refi2. buy Multi-family so your ratios aren't the main factor to lenders3. get in with a lender for high net worth individuals4.

As they see their money is safe and you're succeeding with your plans, they'll usually ask to increase the amount of money they loan to you.

If dipping into your emergency fund makes you uneasy, you might consider waiting a bit longer to build it up or look for ways to increase your cash flow on the current property.

With your income, you may qualify for an FHA loan with a smaller down payment, but buying now could limit your borrowing power and increase monthly payments.

Also, hyperfocus helps me find a home with the right conditions - a stable but increasing-value neighborhood.

Additionally, the house is 25 years old and could use cosmetic updates to increase rental appeal.

He tells you to pay him $5,000 (or much more) to learn all the "secrets" that made him wealth, but then he doesn't tell you that his "secret" was to increase earnings, reduce expenses, save up and invest.

With regulations increasing we've been seeing more and more people who want to invest in STRs start investing in Vacation rentals.

I've been gradually increasing rent.

Increase income, decrease DTI, and buy a home (i.e., get a higher paying job, work two jobs, go to trade school, get a higher paying degree, live in affordable area, etc...these are things that most of us did).