They had had my financials for 6 months and not much had changed.

Also the property rents for 2K and has good cash flow.Hey Mikal - that deal would be pretty easily done as a DSCR but the main reason you would want to go that route is if you want to 1) put title in an LLC for asset protection 2) qualify off the property's income and not your personal DTI 3) keep this mortgage off your personal record so you can qualify for another conventional loan down the road

For individualized advice, speak with a financial counselor or real estate investing specialist.

Try asset based lending, portfolio loans, where all they care about is the property.

I've final taken the first step to realize financial freedom.

-Charlotte is one of the top 20 fastest growing cities in the country-The weather is amazing we have all four season and mild winters-Strong financial industry where many of the big banks have their headquarters.

You have 2 assets and they both have limits though so you really have to ask yourself which is worth more your money or your time. 

@Stephanie Cortez Without knowing your financial situation, it's hard to give advice here.

- Hold it...there will always be down years around maintenance and turnover but time is your asset here and you are in an expanding market.Q3: I am curious to know, have your rental properties outperformed the S&P 500 or REITs and worth the hassle?

I personally am liquid in the realm of $100k with no assets.