you can still qualify for agency debt but otherwise start making calls to lenders that offer special financing or go back to seller .. there is always a way

I then compared them in a spread sheet, eliminated any that fell outside of my criteria and did a walk-thru of the remaining.

Example income property ROI calculation: 7% cashflow + 3% market appreciation + 5% tax savings & benefits + 4% loan paydown by tenant + 3% inflation-profiting / debt erosion = 22% ROICompare this to a mutual fund ROI with dividend in a taxable account: 7% capital gains + 2% dividend - 1% expense ratio - 1% - 1% cash drag = 6% ROIIt still makes more sense to invest in positive cash flowing real estate, especially with bonus depreciation in the tax code for the next few years.

But in general it is best to find a way to separate debt from equity financing.

look its business, get your plan together, show credibility and start contacting more banks or lenders and find the debt service thats right for you

Death, divorce, and debt." 

Remember that after debt service most landlords on a SFH might be making a couple hundred bucks every month.

Land lease communities are similar to having a HOA.A good example of this is in colder states where community owners are eliminating the use of oil as a heating source.

Roughly half of your rental property expenses will be from the debt service on the property.

My question is: when I / we go to get pre-approved for a loan and they look at the debt to income ratio, will the lender (a bank) look at our combined debt to income ratio?