Hello everyone, I am looking for your thoughts on my current and future potential mortgage/debt situation. 

I had read that even unused credit can be used to count as debt when determining debt to income ratio.Thanks for any help you can provide

Maybe think of debt service as an acquisition cost vs an operating cost. 

For the last six months, I’ve been dabbling in trying to find a long-term debt partner.

Monthly cashflow improved by $150 from the debt restructure.  

Hi Patrick,Unfortunately you won't find many driven real estate professionals in Toledo that have a sense of urgency lolThis can be a double edge sword in the way that it's hard to get things done efficiently but it also eliminates most competition because you can just beat everyone to the punch (Just like we have been doing for 5 years now).I suggest you check out the Five Points area (43612 and 43613 zip code).$55,000 - $75,000 properties that will rent for $600 - $800 per month.This pocket has been our sweat spot for many years now and I don't think that anyone has bought more properties than us in the area lolYou will find decent tenants that tend to stay and pay and low volatility with not many evictions.That's my 0.02 Aussie cents :)I wish you much success

Other posts on BiggerPockets have pointed out that during The Great Recession, banks were cutting back or eliminating credit lines.

Seems as though you are creating the vacancy by eliminating a large portion of potential applicants.

Get rid of debt, build a budget, and save.

They would rather convert to long term permanent debt and wait for a better time in the cycle to sell then evaporate all their profit to sell at a high cap today.There are other value deals to go after but depends on the cash you have to play with.