Personally its not more so doubt in myself, but the fear of failing in a loved ones eyes.

There's plenty of opportunity like that here in NJ so keep your eyes open.I also understand your thoughts on why some local people wouldn't share their knowledge.

Theyre the best way to keep an eye on things online and the "DFW BiggerPockets Real Estate investment Group" on Facebook does a monthly meetup to get networked in person with people in our area.

Once I found out about wholesale real estate investment then my eyes opened up.

And you get the benefit of having 40 past ones to catch up on.Locate and attend 3 different local REIA club meetings great place to meet people gather resources and info.

Debt to Income - DTI - is only use on FHA, conventional, Va and other typical residential transactions (consumer front).If you're going to a portfolio lender they look at lending from a 1.25x DSCR point of view (industry standard) which in essence is a 80% Debt to Income if you think about it.1 dollar of debt / 1.25 dollars of net operating income (NOI) = 1.25 X DSCR = 80% DTI Never the less us bankers joke about it all the time because it might be crazy from a residential loan officers point of view but in the banks eyes its not from a commercial point of view.The commercial bank views income property as a consistent sustainable source of reocurring income especially in stronger rental markets so having 1.25 dollars of net income coming in for every dollar of out going debt service payment is acceptable.The mess with this 1.25x they will sometimes make you conform even while subjecting you to underwriting at higher rates, shorter amortization periods, and other income adjustments that make it harder to obtain 1.25x.

I took a break from his blog due to school, but I'm back at it and catching up on his blogs.

And you get the benefit of having 40 past ones to catch up on.Locate and attend 3 different local REIA club meetings great place to meet people gather resources and info.Two Great reads, I bought both J.

Keep your eyes open for mailers and emails from vectren and dp+l.

If you want a local eye, be sure to @ me on the post and I can weigh in.