Hey @Emilio Basa , my commercial lenders don't use DTI as their only metric however it is a part of the underwriting pie so to speak.

there is a BP member who publish's a list of the coming foreclsoures in some area of NC>. its pretty nice.. helps a tonI looked at sales there you have a very convoluted way to buy them you bid and someone can upset you.. etc.but generally speaking someone who will pay near retail and is either going to buy and hold and or live in it.. can EASILY compete... becaseu your competition wants EQUITY instantly and wants to rehab flip for profit or wholesale for profit.. if your willing to pay more this should be a slam dunk for you.

Speak with your bank to find out the best ways to make payment.

Educating myself on wholesaling as we speak!

I'm sure there's a ton more to speak about, but I would like to hear what others have to say. 

Would be interested to speak with you about your criteria for investing in a deal

I've done both invested locally and out of state, invested for cash flow and for appreciation, so I speak from personal experience and have nothing to sell you either way.

But I will let someone else speak to that.  

I was speaking from a macro view of a niche operation in the real estate industry, mostly residential investing or operations.

I didn't budget for any vacancies after speaking with another owner in the building I'm buying into.