Additionally in comment above, before making any decisions, it might be beneficial to visit the areas and possibly meet with a local realtor or property manager.

I recommend connecting with an investor-friendly lender that can give you an idea of what you will be able to afford based on your DTI, credit score, and current income & assets.

You could be with your bank for 50 years and if your credit score drops, or you miss a payment or do not show enough income for the debt to income ratios, your not going to get the approval. regardless of how many years you have been using them for checking and savings or even your business account!

@Dimitris VainasHi DimitriI’m a swallow traveling from South Africa and wanting invest in Greece rental income opportunities.

Think all the expenses and potential income of the property.

The low risk requirement eliminated lots of investment types like trading crypto, venture capital, ultra high leverage real estate deals - except for maybe a very small percentage of my investable assets.Since I’ve already accomplished tax minimization by managing to hold the majority of my assets in a retirement plan and paid the taxes to turn that plan into a Roth, number 4 is not a concern.I do invest for current income as second place to wealth preservation, and increase wealth as third place.

Higher income due to newer properties and higher resale/refi due to the new build out 

Most business credit cards do not report on your personal credit report so often times any debt associated with the business credit card will not impact your debt to income ratio. 

When creating your criteria, it is important to focus on the evaluation of the following qualities: • Capacity to pay: Does the prospective tenant have enough income to afford the rent and other expenses involved such as utilities or additional costs such as parking or storage? 

So, as the first property would be a triplex or fourplex, I was in the understanding that I could use 75% of the income coming from that initial owner occupied purchase towards my debt to income ratio going into the next purchase.