@Chudney WesleyBasically one quick way to check your DTI on your own is to divide your monthly debt services (car payment, property taxes, insurance, rent, child support, student loans, etc..) by your monthly take home pay (not including your rentals since you haven’t had them for 2+ years)  Alternatively, take your monthly take home * 40% then subtract your monthly debt services.

Three kids had to sleep on the floor with the exception of the youngest child who got to sleep on the bed with mom & dad. 

How much monthly *pre-tax* income you make (job, SSI, child support, food stamps, alimony, retirement are some examples of income).5.

Very good J Martin... and for all of those that thought they could not get cash flow in the Bay Area your the poster child that it can be done is being done and should be done by many !!

The short story is my girlfriend relies on child support for making ends meet.  

Jonathan Child I feel a little "misled" on how easy it would be to get my cash back to keep investing.

If you can not put mother and child on the street for non payment of rent without emotion you are going to be in big trouble in this business.

I am kind of the poster child for what not to do as an investor.

It was very interesting but I just had my 1st child and 2nd on the way so I kinda put it on the back burner.Fast forward to 1 year ago, I have 3 kids with my ex wife, 1 step kid with my wife now and starting a new position at the company I have been with for 11 years.

The reason why I had to go twice was because the lady has a child who was in the Garfield public school system.