Your income is not the driving force behind a commercial loan, but it is looked at to ensure your global cash flow is sufficient and you are a worthy guarantor. 

It is factored into the rents globally with my other utilities.

Usually some form of the carrot and stick with most emphasis placed on the stick.

Dan,Your banker is likely referring to global debt service ratio as nearing 1.2. 

I cannot emphasis this enough. 

Hello all,As we continue to see potential instability in global political news and hear continual reports and projections of another impending market correction (and digression in this case) in the next couple years, I'm curious to hear from you all how you approach your investing strategy.

I think @Mark Holmes is talking about the fact that despite the "low" cap rate of 5.75%, the property is bringing in 40k+ a month (emphasis on the amount of monthly cash being generated here). 

I'm glad to see you plan to heed it.For emphasis, I would repeat1) FIRE the PM company. 

Do you measure equity as a percentage of your total assets or global cash flow Charles?

Most all, including Goldman, predict a global slowdown to begin in 2024, lasting for a couple years.