I just utilized an online DTI ratio and my backend debt is a little higher than what mortgage companies may like.Again many thanks for your advice as I appreciate it much!

Holding costs include acquisition loan payments (if any), tax, insurance, utilities, etc ... that occurs during the Rehab period and up until the property is fully rented.  

My plan is to buy single family homes and utilize the BRRRR method and to get into notes. 

1724 sf4 bed, 2 bath1 StoryNo GarageListed Price $66kOffer/Purchase Price $70kOriginal Estimated Renovation Cost $31kFinal Renovation Cost $36kARV $140,000Sold $143,000Closing Costs at Purchase $4,600 (including $1500 that I pay my agent to handle Auction transactions)Closing Costs at Sale $10,200 (including 6% commission)Holding Costs (Loan Payment) $280 a month for 4 monthsHolding Costs (Utilities) $200 a month for 4 monthsHolding Costs (Yard Maintenance) $0Real Estate Commission Paid at Sale $6,600Note: I pay my agent an extra $500 on top of his commission to make it more worth his time.

I have never utilized his services personally but if I needed roofing done I'd certainly contact Dave Wandel with Charis Contractors.

on this one we did  on 7 new street with all the requirements there its almost triple to build.. but that one will have all sub zero wolf etc.. this one is just medium grade on appliance packages.WE sold one of our new builds in North Charleston to the family that owns the company that makes the custom counter tops though.. so those are cool and we got good pricing.. 

And it is more common with regional banks.That being said, when I talk about Collateral Assignments in the podcast or my book, I'm usually talking about it in regards to 2nd liens where you utilize private investors.

This does not include your holding cost like utilities and loan payments etc.

I would check with a mortgage broker and not allow hem to run your credit u til you decide if you want to use them or not.

Their circle of influence and sphere will utilize them to invest and the license can be used effectively.