The overwhelming consensus is that if the borrower is wealthy enough to own commercial-investment property and he has good credit, his personal finances are almost certainly in order.

I understand metrics are what they are and cannot be used in every situation, but I fail to understand how this metric can be a good one to use at all and want to clear things up in my mind as I see it being brought up every day on the forums-likely by people who have never even used it, let alone investors that have weathered an economic cycle.Thinking this through more makes me start to side more with @Jay Hinrichs on his philosophy that wealth is the accumulation of free and clear properties not a bunch of high debt properties providing monthly cash flow as these are the ones susceptible to big problems in the downturn. 

Cause the going trend nowadays is the masses value concrete surfaces to recreate or park on, rather than to supplement their diet, oxygen, etc off or cool the microenvironment down. 

The wealthy people all have lawyers who create their entitles because they know that having this safety net is worth more than a few thousand dollars.

Real wealth, generational wealth is generated through appreciation - period, dot, end of sentence. 

It could be an Airbnb investor, a retired couple, a newly married couple, a widower, a LGBT couple, a property management company, a wealthy Arabian with oil money, a wealthy central American with drug money, etc.You're selling your property, period. 

I’m not a wealthy person, and I don’t have a nice job, so going a route where I can exchange my own time, knowledge and efforts is the only way I can afford to go at this moment in my life. 

Bleeding heart Liberals and NDP are driven to make it even worse for fat cat wealthy heartless and greedy landlords.

His story was that he grew up in this very wealthy suburb and had moved to a middle class suburb as an adult.

Total return = income return + capital gain"The path to wealth is debt" ~ Trammell Crow