Yep - your lender will be using an undisclosed debt notification service until after the loan closes.

What is your roof goes, a heating unit.... you're credit card debt could build up quick as a result of this putting yourself in a bad situation.

Any amount that you are negative carries over and affect your overall Debt to income ratio.

@Bradley Kirschbaum Not so much debt to income (as far as I know).

I thought about asking him what the difference is between an agent and a "consultant" several times when we disagreed on here/ when calling him out for giving terrible advice but held my tongue.

The reason is I want to separate my personal debt to income ratio from my real estate investing “business” and of course reduce personal risk. 

Eliminate debt, establish a budget, and save.

.: Quote from @Chris Seveney: @Dana YobstBlows my mind how he is out there still teaching classes and going on as nothing happened but it sounds like these debts are not getting substantially paid down.As many of us know, one of the main reasons he's able to continue on is with the help of this other self proclaimed criminal https://weclosenotes.com/ep-nc-03-protecting-yourself-using-a-corporate-veil-with-aaron-young-from-laughlin-associates/ Using a remote entity to limit liability is a life blood of insuring investment into all types of job creating, life saving and life improving business development.  

But ultimately all tenants leave, all debt comes due, and you're going to need to backfill it, so who is that, what pool of tenants could you consider?

I have amazing credit (760) and zero debt and I purchased 2 homes this way.