William Bauman how much of your 37k debt is car debt, and CC debt?

HOA is mainly guy from low level unit.

Just give him an address of the property and answer some questions so he can determine your debt to income ratio.

Thanks for the info @Ron S. and @Blair Poelman I was just wondering more from a buyers perspective, mainly on what you have pointed towards @Blair Poelman . 

I would then take out a HELOC to leverage the equity she has built up over the years (current value of the home is about $800k) for a down payment on an investment property or two.I was recently advised that putting the house in a trust, rather than adding my name to the deed, and putting myself as a beneficiary would be smart for estate planning purposes and give me access to commercial loan options as well as residential.However, I want to know if there is a major difference between the amount I would qualify for on the HELOC if I were to apply as a Trust or as an individual.I would assume either way the bank would be looking at my income to debt ratio and make a judgment that way.I appreciate the feedback!

In total our grass income per-month is $2,555We also have 18k in debt.

For those who carry debt on your properties: What are some suggestions for stress tests you put on your portfolio?

Mainly lake front and the communities around the area.

I dont think it is subject to review from a practicle purpose I am not sure how they would even begin to review such things as these types of loans are common and mainly undocumented from a governmental perspective.

The real question is will the income of the property support the debt service of both the primary loan plus the debt service from the HELOC.