I have no problem handling the debt with my overall income, but the bank is putting pressure on me to do something now. 

Quote from @Griffin Malcolm: The typical experience that I have had flipping homes with solar and also helping buyers/sellers on sales with solar is that the seller ends up having a request from the buyer to pay the remaining balance off from the solar debt on the home without increasing the value.

Any amount that you are negative carries over and affect your overall Debt to income ratio.

Yep - your lender will be using an undisclosed debt notification service until after the loan closes.

Example $400,000 no debt.2.  

.: Quote from @Chris Seveney: @Dana YobstBlows my mind how he is out there still teaching classes and going on as nothing happened but it sounds like these debts are not getting substantially paid down.As many of us know, one of the main reasons he's able to continue on is with the help of this other self proclaimed criminal https://weclosenotes.com/ep-nc-03-protecting-yourself-using-a-corporate-veil-with-aaron-young-from-laughlin-associates/ Using a remote entity to limit liability is a life blood of insuring investment into all types of job creating, life saving and life improving business development.  

The reason is I want to separate my personal debt to income ratio from my real estate investing “business” and of course reduce personal risk. 

For my commercial properties, I refinance every five years, allowing me to continuously access the equity as long as the cash flow can support the debt service requirements.

What sort of debt does it have. 

.🔴 Over-leveraged finances: Borrowers with excessive debt or insufficient personal capital invested in the deal could pose a greater risk of default.🔴 Questionable property comps: Overstated market values or inappropriate comparables may mean they’re inflating expectations.As always, thorough due diligence is your best protection.