They will look at your actual net income (usually without the depreciation) and compare this to the proposed debt service payment (the P&I part, taxes and insurance are already taken out at this point.)

He has 32 enteries in the county website for liens and judgements for debts and back taxes.

If you lease a car, vs. borrowing for it, does the lease payment count against your debt to income ratio when applying for new mortgage debt?

We both will just keep paying more in debt service, but receiving TWICE more in income.

All my cash and credit card advances as I can not get a loan due to debt to income ratio & maximum fannie mae properties financed.

Once you sign up (it's all free), they can evaluate your current credit score and they'll give you an overall letter grade AND break down the different categories (i.e. open credit card utilization, average age of open credit lines, total debt, etc) and will give you a letter grade for each category.

Does this make sense, or will lenders be privy to these methods and simply say that I own a busniess with debt?

Jeff Price Long term tenants are profitable. they generally take care of your property, don't require excessive maintenance, and eliminate vacancy.

That will make a big difference, like the Jobs Act getting passed, the debt addressed and less unknowns out there.I'll be just hunky-dory regardless of who gets in!

Okay you go to college and get a degree and get 100k in debt and get some crappy job loaded with 100k debt you can't unload in BK.