Buying quality assets with a larger amount down, making improvements, and paying off debt could get you there relatively quickly. 

Any amount that you are negative carries over and affect your overall Debt to income ratio.

I have no problem handling the debt with my overall income, but the bank is putting pressure on me to do something now. 

Although banks prefer a homeowner to avoid foreclosure, lenders will take possession of and then sell a property if the owner falls too far behind in making payments.

Try to get a cashout refinance to see what the bank thinks it’s worth and how the business would perform with debt.

Yep - your lender will be using an undisclosed debt notification service until after the loan closes.

If you are working with a reputable company, then you buy the property, hold the property and look up 7-10 years down the road and have a home that has increased in value and a debt that has been reduced by your renter.   

.: Quote from @Chris Seveney: @Dana YobstBlows my mind how he is out there still teaching classes and going on as nothing happened but it sounds like these debts are not getting substantially paid down.As many of us know, one of the main reasons he's able to continue on is with the help of this other self proclaimed criminal https://weclosenotes.com/ep-nc-03-protecting-yourself-using-a-corporate-veil-with-aaron-young-from-laughlin-associates/ Using a remote entity to limit liability is a life blood of insuring investment into all types of job creating, life saving and life improving business development.  

The reason is I want to separate my personal debt to income ratio from my real estate investing “business” and of course reduce personal risk. 

I've seen some Smokies owners that cashflow well even with high-leverage debt.