Hey All,I am having some trouble understanding how DTI is calculated and it seems that the different lenders I have talked to are telling me different information.I have 1 year of landlord experience renting half my duplex and just filed my first schedule E in 2015.

The FHA r90 day restriction is from your acquisition escrow date to the "execution of the purchase contract" for an FHA buyer, not their closing date.

Originally posted by @Randy E.

The upstairs tenant had sent me an e mail complaining that they still hadn't quieted down, in fact they turned the music up nd were still loud as of 4 am.  

You don't have time to day-trade on a purchase.- Permanent financing.

here is the link you can also use for the next meet up.https://www.eventbrite.com/e/western-new-york-rei-...

You must mean the schedule E if buying in your personal name.  

To better explain, if a rental property is purchased with 25% down and nothing is done to increase the value of the property and then a cash out refi is executed in 3-4 years time.

That means you trade an investment property for another investment property.

As far as our backgrounds, I was a handyman/landscaper before the military, and my wife was a rental manager (I got most of my trade through her).