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A loan option you could look into that will potentially preapprove you for more is a DSCR (Debt service coverage ratio) loan, which is based on the rental income of the investment property you are looking to purchase, instead of based on your personal income for a conventional loan.

That's the way you have to sell it to the Broker, is that it's going to bring in additional revenue and lead sources.

In addition, the housing markets in many parts of the country have been increasing steadily, if not briskly, for almost a generation without any significant re-alignment to the underlaying economic reality.  

However, you will have to show the co-guarantor receives consideration for a lender to accept the additional signer. 

DSCR is a type of investment property loan that lenders use to evaluate the cash flow from a property relative to its debt obligations, rather than primarily focusing on you, the borrower's personal income.Down payment: Expect to need at least 20% to 30% as a down payment, though this can vary by lender and property type.Interest rate: Interest rates for DSCR loans are typically higher than those for conventional loans because lenders view them as higher risk.

The chart below shows the additional cost for a base rate for situations including investment property.

An additional benefit of a detailed engineering-based Cost Segregation Study is that it can increase potential insurance premium savings as well as provide support for the property tax appeals process.

Non deductible, Better Proximity securing loans) "ROIsoonest months"        Unknown*  “Cheapest”. 2nd. 3rd     Unknown* Deals, Off Market, brokerage, government, 4thJudicial, Move to USA 1031Tenant Management due diligence   Unknown*Previous landlords Credit score,eviction record, income to debt between 40 and 60%,hours at home,Pets, poor character appearance Ie tattoos,drugs,crime,personality,dirty car.Value Add focal points          Unknown*Raise the rent,Rehab, maximize rooming, section 8, Reducing management “general”Rehab etiquette       Unknown*compartmentalizations & entry,Colours, Lighting, Fixtures & Amenities, floor, bathroom cheaper / kitchens, fixed stylization.

- [ ] Seller may require additional insurance coverage.9.