It really doesn't hit in a big way one way or another in most cases.But if you did find that you have a debt ratio problem when all the math is done, you can still use an Non-QM or Portfolio loan called a Investor Cash Flow loan.

I recently signed a contract on a single family residence that I am going to be adding to my portfolio and have an investor who will be putting up the cash for the down payment. however I will need to gain financing to cover 80% of the purchase price.

Looking to build a rental property portfolio of both single-family and small multi-family properties in the Northeast Texas region.

@Tom R.Would you rather have a real estate portfolio or a perfect credit score

I told him eventually I'd like to explore portfolio loan once I get a few more properties and he acted like we should be able to figure something out.

Contributions to the 401k may preserve the 20% deductionHow big a portfolio do you intend to grow?

My long term goal would be to partner up with someone who would want to continue doing deals together and build up a portfolio of rental properties.Please feel free to reach out if you want to discuss anything mentioned above.

Portfolio lenders?

Throughout these 10 years, I would also love to begin building my own portfolio, hopefully by starting with a partnership (let me prove what I know by analyzing  potential deals and pushing them to closure as said above), and then by heading an entire acquisition from pre-entry to exit.I'm really excited to connect and speak with you all!

They hold their own portfolio of loans.