Ill PM you the name and number of a few bankers that I know lend in this space.

And if I am doing JV's I am the best damn partner you will ever have ... that's how I represent myself.Plus being a RE broker in 3 states and NMLS licensed Mortgage banker.

Banker's  are conservative, regardless of age. :)

 :) i'm not licensed in your state though so find a good mortgage broker or better yet, mortgage banker. 

(even with your wife or other family) Your attorney will help with that.Marital status should not matter as you are simply creating a partnership.Regarding financing, I use a commercial banker at Great Western Bank.  

Dan,Your banker is likely referring to global debt service ratio as nearing 1.2. 

Real estate agents are the most corrupt business people, next to investment bankers and the mob.

AS an NMLS licensed mortgage banker I get these tid bits from the state.. this one is of interest and maybe other states will follow suit this will help homeowners with seller financing.. although very limited in scope its a startThe second proposed rule stems from Senate Bill 879 passed during the 2015 session that allows an individual who owns property through a LLC to provide seller-carry financing on a limited number of transactions without obtaining an Oregon mortgage loan originator license.

(bankers, attorneys, real estate agents, contractors, etc.)  

Call a banker.