I put my broke-self through college cooking - and I may or may not have been able to reallocate additional $ to the beer fund 😁.

If you refinance, you can always use a DSCR loan on the next purchase if you think the refinance will impact your Debt to Income ratio.

Additionally, Columbus is another market worth exploring for its strong rental demand, diverse economy, and growing population.

Different investors swear by different criteria, whether it's IRR (and the closely related NPV), cash on cash, the debt coverage service ratio (DSCR), the CAP rate for a property, or some other metric.

Hopeful to gain some more bookings soon with these additions/amenities.

Your debt is $100K. 

You still want to qualify just the same as Section 8 is just a source of additional income it does not classify a type of person or a type of property , I do multiple Section 8 deals a year.

or the whole amount of debt they owe originally before the plan?

My cold caller identified this lead and I wanted to see if I could come up with a creative finance solution in addition to an all cash offer in order to give the seller options.Location: Fresno, CABuilt 20104bd, 2 bth, 1600 sqftARV= $415kTheir current asking price for an all cash offer= $390k Their mortgage balance ~120k, interest rate is 4.51%Roof is original (14 yo), HVAC is new (replaced last year), no other updates or major repairs that he's stating.Situation:The husband states his family of 7 has outgrown their current home.

Hello,Im an aspiring Real Estate investor..and I appreciate your feedback to know what could be a good strategy and still being creative if you want to buy a deal with good equity but still important debt?