@Randy E.

Read and learn as much as you can from all the content here on BP and you will see those rules really don't hold much weight.

If anyo e could assist i would greatly appreciate it. 

Originally posted by @Randy E.

They are sometimes very much weighted in the PM's favor. 

We have a grading system we've developed in-house which allows some leeway for certain types of credit dings (they are weighted differently).  

More info here: www.SOMDREIG.com Sign up for the e-mail list on that website so you get the meeting notifications.I am a full time investor here in southern MD, have been in the business for 11 years and have done hundreds of deals in PG, Charles, Calvert & St.

@Curt Davis, @Devin E., and @Bridget Smith-Osbourne,Thanks for the quick and concise responses.  

Rich Dad Poor DadRich Dads Cash Flow QuadrantRich Dads Increase your financial IQThe Real Book of Real EstateThe ABC’s of RE InvestingThe ABC’s of PMRich Dad RE Tax AdvantagesThe E-MythThe 4 Hour Work Weekhttp://flip2freedomacademy.com - free e-bookFlip2freedom episode 77[http://www.flip2freedom.com/a-3-step-formula-to-a-successful-balanced-and-insanely-profitable-2012/] - podcast - LISTEN TO THIS TODAY!

What has been your experience with investors who have a good base D/I ratio, but then start to accumulate cash-flowing investment properties that are mortgaged and shown on their Tax Return (Schedule E).