If they denied you just because your rentals showed a loss, but your actual debt ratio was within tolerances, then they have crazy rules that wouldn't be applied by most lenders?

Overall I would do everything I can to keep that low interest rate debt, but at the end of the day you have to asses your risk tolerance and determine what will help you sleep at night.Good luck, be encouraged that you are proactive and doing your best.

I think risk tolerance and quality of deal will be the other important factors to consider with any syndication. 

@Chingju HuIt depends on your risk tolerance and thoughts on the market itself.  

You will get a lot of great advice from the forum, but I would mainly focus on where YOU need to live and what your risk tolerance is.

It's all about balancing your financial flexibility, risk tolerance, and investment goals.Putting down 5% as a first-time homebuyer can certainly free up capital for other investments or expenses.

I know a lot of people use them and have success, but they're slightly above my risk tolerance.

As a new investor, it will be dictated by your financial situation, risk tolerance, and strategy.

It's all about how much money you make annually with your job or business, your age, risk tolerance, liquidity, and net worth levels.

You should also consider your risk tolerance as it relates to your desired ROI.