I’m currently working on becoming debt free and having a runway where both me and my wife feel comfortable (t - 4 months) until that is overwith.If I can be of value to anyone on the forum please feel free to reach out in any of the areas mentioned above.Lastly I want to keep learning and network as much as possible and getting to help as many peopleAs possible where I can.Have a great weekend All !

So the determination and reporting of value as well as handling debt and cash is your challenge when not using a QI and doing the delayed 3rd party exchange.

@Javaras Thomas Sounds like a perfect fit for a DSCR (debt service coverage ratio) loan.

Make $70,000 a year but have no debts.

Your lender will always factor in minimum payment only obligations to DTI, so they will factor in the whole lump of debt, but the monthly payment is how they consider the % of income to debt.3.

Ive been buying single family property for 10 years in cash lloking to retire early with no debt but ive falling in love with real estate and cant stop.

@Sher J.We're moderately debt-averse, which we know is controversial but it's also a personal choice.

Will lenders keep giving me loans as long my debt to income ratio is favorable or will I be cut-off at some point because I am too leveraged?  

Especially if you are financing with Debt Service Coverage Ratio (DSCR) loans.

Were you not qualifying because of your debt to income ratio?