This product does not consider DTI but rather the cash flow that the property generates.  

Why sell if your rate on the house is good and you could have two cash-flowing rentals there, the main unit and the basement unit?

@Spencer FeuerbachYou can't get the same type of commercial loans or cash-flow refinancings.

It goes something like this.You find a commercial property for sale in a good location that’s currently vacant (so that you’re not paying for current cash flow) and that has an assumable mortgage at a relatively low rate.

There are other apps too - cash app, paypal, who knows what else. 

I would consider cash-out, refinancing the deal, and buying out your brother-in-law.

Once the 5 years runs out you'll only be able to offset your cash flow with mortgage interest?

-you likely won't cash flow at all when you refinance, and you might even be negative. 

No investor cash paybackNext build I will infuse about 50K cash working on construction loan.  

What is your actual average cash flow now?