@Bre Reichle you also have DSCR loan products to help you out which won't at all look at personal income, so DTI isn't even a factor considered.

. $910,000 - $624,500 = $285,500As I mentioned, the credit union I worked with offers a 100% LTV home equity loan product, and they paid me approximately $250 to close on the property (a nice perk I wasn’t expecting).

If anything, I believe this is more of an indication for you to really make sure that you are securing real estate that is within close proximity to these hospitals so you can make sure you can have a scarce product for consumers (e.g. medical professionals)Hope this helps and don't hesitate to reach out if you ever need anything! 

"However, this doesn’t apply to other credit product applications.

Hey there, most lenders are only offering competitive DSCR products for 1-4 unit properties. 5+ is difficult nowadays.

@Edgar Garnys getting I/O loans to defray the cash flow burden - targeting 7/1 or 10/1 products to create sufficient time buffer.

What they miss is the combined ratio, the cost of producing the policy together with the loss expense is generally found to be in line with that of property insurers.That's because many don't realize title insurance is a loss avoidance product as opposed to loss assumption product as HO insurance is. 

Hello Dustin, as other people have mentioned a DSCR product is probably your best course of action as they evaluate the finances of the deal, not your personal finances.

I don't have that part totally figured out, but I'm still not seeing builders offer many incentives to move product. 

Keep in mind some products are only available if you have a certain number of doors.