They can use 25% of the rents to help you qualify, the rest will depend on your DTI ratiosYou can't just use equity in another property for the down payment, you can pull equity out via a loan or line of credit but just because you have value in that property doesn't mean you can use it to buy another 

I wanted to get your opinion(s) and thoughts on who are the best lenders in the Oklahoma City area for both straight forward deals (good credit, good debt to income ratio etc.) and new commercial construction (less then 1m).Who has the:Best ratesBest serviceQuick underwritingThank you for your time and look forward to hearing your thoughts.

Does this basically mean that I get pre-approved by all the lenders I look into (Each one putting a hard inquiry on my credit)?

@Dan Shelhamer I would not treat them the same the foreclosure affects there credit score and as long as they still met my minimum credit score I would rent to them.

Mainly came here to work on personal finance and fixing my credit AND then, let's get to investing.

I have a decent credit score (>750) but my brother has a much lower score (low 600's) due to some medical debt he incurred many years ago.

Now this is when it becomes a little difficult I’m trying to get approved for FHA Loan with the 3.5% down and it comes down to my credit being a little beat up I have enough for the down payment and Income to debt ratio is pretty high.

I'm dealing with a similar situation right now where the previous owner of a building I recently bought put some knucklehead in there to make the listing more appealing, and never did a credit/background check.

Given that I am carrying heavy debt but still holding a 600 credit score.

We have excellent credit and no debt except for our 2 mortgages.