Hi Kelly,I am currently with Equity Trust not by choice since they bought out Midland Trust last year (2023).

Regarding borrow's DTI, Chase thinks that this item is not that important.I wonder will my high DTI impact the loan underwriting?

E Equity, how much of the home will you own on day one.  

In option 1, all but $10k goes into equity in the property.

A lot depends on your entry price and instant equity. 

I also have personal W2 income, if that matters.Is there a loan out there for a set-up like this at 15% down? 

With $50K and a DSCR loan, your budget will likely cap at properties in the $150K-$170K range, depending on the closing costs and any repairs needed.

HELOCs are fine, but keep in mind that you really only want to use 50 percent of less (each) of your available equity just so you aren't creating a problem that you can't solve later if the value of your personal residences fluctuates.If you both have W2 jobs though, have you looked into getting qualified together and just getting a loan, 10 percent down each?

DSCR loans won't use your income to underwrite the loan.

Owning a duplex at 20 is a huge accomplishment, and it’s inspiring to see you’re already planning your next move.From my perspective, real estate investing is a long-term game focused on building equity, paying down debt, and maintaining stability over chasing short-term cash flow.