@V.G JasonThe great MJ DeMarco says that you should become a producer before a consumer, and your statement highlights what MJ says.

Without the SSN the ability of the CRA (consumer reporting agency) to cross reference information is hindered. 

But my 2BRs bring in just as good returns with fewer tenants and fewer headaches.

IF it is consumer debt you have to work on your financial literacy first.

@Wayne Brooks thank you@Henry Clark interest rate got me because when I sold my old portfolio it was 3% . by the time I closed I could get only 9%. and now there are fewer buyers with this rate. yes, many new rentals suffer in the area.

btw, are you the same Jay Hinrichs of "TRUE "WHOLESALE HOUSES" that was sued by the STATE OF OREGON-DEPARTMENT OF CONSUMER AND BUSINESS SERVICES DIVISION OF FINANCE AND CORPORATE SECURITIES? 

We have high personal income with no consumer debt, so conventional loans are typically more favorable and DTI hasn't been an issue.

We were particularly interested in this deal because it involved a light rehab, which is less complex and time-consuming compared to more extensive renovations.

The number is ticking up but Ohio is still fine in vast majority of cases - anything over loan balance of $110,223 (2024 limit) doesn't apply - since most DSCR lenders have minimums around $100k loan amount, barely affects thingshttps://com.ohio.gov/divisions-and-programs/financial-institutions/consumer-finance/guides-and-resources/loan-prepayment-penalty-and-adjustment#:~:text=Effective%20January%201%2C%202024%2C%20no,loan%20of%20less%20than%20%24110%2C223.

Here’s a quick breakdown of your options:Option 1: Sell and Buy Cheaper House with CashPros: No mortgage, no interest payments.Cons: Older homes, more repairs, possibly worse neighborhoods.Option 2:Use Proceeds as Down Payment on Better HousePros: Newer, fewer repairs, better neighborhoods.Cons: High mortgage interest rates, higher monthly payments.Option 3: Refinance and Rent Out Mobile HomePros: Rental income, keep property, can still buy another home.Cons:Landlord responsibilities, high refinance interest rates, market fluctuations.Consider market trends, rental demand, and your financial goals.