Thank you guys for your insights, I really appreciate them. 

Credit Karma (Free) is also a great site if you are not already on there as they provide insights into all three major credit reports and provide you tips about what is really dragging you down. 

@Scott Madans Thanks for the insight, that really helps me out a lot.

Let me know your thoughts/insights.

I would love get some insights in on how much would you guys offer?

Hey BP friends,I'm putting together an excel sheet to calculate potential rental property deals and wanted to ask for some insight/criticism/refining regarding my monthly expenses.So far I have the following:Mortgage: $350*Vacancy: 5%Maintenance: 10%Management: 10%Property Tax: $210*Insurance: $100*CapEx: 10%*based on my price range in Arlington, TX.I have to say they have added up much quicker than I expected (which I was told would happen).

Best I can tell from previous posts on the site is that if you are having a problem with your DTI ration transfer properties to an "entity"(this is the usual word choice with little insight into what kind of entity the poster is referring to) However, when you dig a little deeper, it seems to be that even if you own property in an LLC if you sign a personal guarantee (which they pretty much always make you do* it all falls to you in individual, and therefore counts against your personal DTI ratio, which at least for this, seems to defeat the purpose.* it seems if you have an LLC with 2 years of tax returns, you can actually have the business get the mortgage, and not have to sign a personal guarantee.

There has got to be a way to pull this data out automatically.Any insight would be tremendous!

I haven't done any serious calculations with this, but it would take a fair amount of time to save enough for 20% if I were to go conventional on primary residence.Any insight is greatly appreciated. 

Thanks everyone for the insight!