Buying quality assets with a larger amount down, making improvements, and paying off debt could get you there relatively quickly. 

The reason is I want to separate my personal debt to income ratio from my real estate investing “business” and of course reduce personal risk. 

.: Quote from @Chris Seveney: @Dana YobstBlows my mind how he is out there still teaching classes and going on as nothing happened but it sounds like these debts are not getting substantially paid down.As many of us know, one of the main reasons he's able to continue on is with the help of this other self proclaimed criminal https://weclosenotes.com/ep-nc-03-protecting-yourself-using-a-corporate-veil-with-aaron-young-from-laughlin-associates/ Using a remote entity to limit liability is a life blood of insuring investment into all types of job creating, life saving and life improving business development.  

I can happily say I accomplished all the goals I prioritized on this quick 48 hour trip:-Meet General Contractor and Property Management company - ACCOMPLISHED-Visit/Walk-Through Property - ACCOMPLISHED-Get property keys in my possession - ACCOMPLISHED-Build relationships on the ground in Indy for future investments (scheduled 6 meetings with various investors, turnkeys, project managers, realtors) - ACCOMPLISHEDAs a quick recap, here are a number of photos AT ACQUISITION in December:Here are first-hand photos I took personally of the property in March:A day after I left, they brought in a load of gravel for the the driveway and replaced the dented and un-operational garage door.Stay tuned for more updates. 

Example $400,000 no debt.2.  

For my commercial properties, I refinance every five years, allowing me to continuously access the equity as long as the cash flow can support the debt service requirements.

If you are working with a reputable company, then you buy the property, hold the property and look up 7-10 years down the road and have a home that has increased in value and a debt that has been reduced by your renter.   

.🔴 Over-leveraged finances: Borrowers with excessive debt or insufficient personal capital invested in the deal could pose a greater risk of default.🔴 Questionable property comps: Overstated market values or inappropriate comparables may mean they’re inflating expectations.As always, thorough due diligence is your best protection.

Quote from @Sonja Revells: @Chris Seveney primarily Padsplits  I would speak to a few lenders first before going through all these hoops, as I started to do this then when talking to banks they were basically telling me either get a secured mortgage as they will not lend to a real estate company on unsecured credit/debt.

Try to get a cashout refinance to see what the bank thinks it’s worth and how the business would perform with debt.