. - The next tier of lender qualification is a formal loan commitment.

When it comes to long term debt, lenders need to make sure the loans can be sold on the secondary market after they are originated.

I currently have a Ginnie Mae loan and I would like to transfer title of the house to an LLC.

Here’s a quick break down.I can’t get approved for a loan because my DTI is about 5% too high with the property.

We bought much of the furniture new, choosing premium quality for the main rooms, and supplemented with discount deals online or some lightly used items.

I have a legal business in the U.S. that has been open 1.5 years and I'm wondering if anyone has any good recommendations for a personal or business loan that will give me the best rate for this purchase? 

Hard money loans are out there, but they expect you to have skin in the game too, and some experience.  

I’m using a conventional loan at 5% down  

There are also intermediate things you can do… like take a loan against the property if you needed some cash somewhere down the line.  

@Richard Edgar doing a cash out loan on land is EXTREMELY hard...I might even say impossible...but I can't speak for every lender in the country on this though.