Marcel B...It takes time, but you can increase it by paying timely and reducing balances owed.  

You could also do seller financing and after a few years appreciation and principal paydown will give her enough equity that you could sell the note to a third party.

I owe $182,00 and FMV=$225,000Challenges I'm facing: my Debt to Income is too high if I can't count my rental income.I have only been a Landlord since July, 2015 (so under 2 years) with my first rental.

I am an investor, commercial developer, and a principal commercial broker myself so I see it from many angles.

Okay i just started a new job 42k salary starting out hopefully land a analyst job 50k+ soon but for now i have 775 credit score i have 140k cash but only wanna use max 30k, i owe 0 student debt i own a business as well for 2nd income. my monthly expenses is $350 a month.

The appraisal came back this week at 140k and I owe a little over 99k so they approved me for 12,900. 

Since property taxes are paid at the end of the year, the seller owes you a prorated amount from January 1, 2017 until the closing date.

@Adrian Fajardo yes they add it to the loan, so now you owe more than it's worth. 

It feels like no matter what I do I can't cut into the principal.

So many of them do stuff like categorize your mortgage payment as "Mortgage Expense", when what you actually want is the breakdown of the payment into principal, interest and escrow.