So, I have 95,000 in the property and now I am trying to get my money out, but I may run into my debt/income being to high for a traditional loan.

Or, some people hate having any kind of debt, even mortgages on investment properties.

My credit history is perfect, but my score is low (~640) thanks to a high debt to income ratio.  

Property: 4 BD / 2.5 BA 2-story HomeOnline Value: $284k (Z: $292.5k, R: $285k, Red: $275k) less repairsRental Comp Range: $1500-$2100/mo - Most likely $1650-$1750Repairs: $34kActual Value: $250kOutstanding Mortgage Balance: $110kPrevious Purchase Price: $88kRV Purchase Price: $134kHow would you structure this deal to minimize expenses, fees, & taxes given the following info:1) FIL can give transfer property to us given any of the following strategies:    *$0 (gift)   ** $110k (we assume the outstanding balance on his mortgage)   ***We transfer at market rate (quit claim deed adds us to property deed, $110k refi with wife & I assuming all debt, then he's taken off deed w/ quit claim & we pay him 140 payments at $1k month for the equity he has in property w/ no interest).   

They take into consideration taxes and insurance, in addition to the net income of the property, and formulate what's call the "DSCR" or debt service coverage ratio.  

Purchase a duplex in San Diego and live in one unit - PROS: essentially get help paying my mortgage via rental income, proximity to rental property, maximizing FHA loan on a more expensive property (maximizing my down payment in a low interest rt environment) CONS: The market is so unbelievably expensive and rents are not comparatively high enough to really make most moves profitable, high Debt to Income ratio thereby limiting my ability to purchase again2.

An investment partner and I (both of us are in college) are looking at investing in a real estate property in the greater Orlando area.Upon graduation we will both have a salary around $50k with zero college debt (thanks to parents who prepared heavily for our futures!)

She thinks taking on mortgage debt is bad, and makes life stressful, even though everything cashflows positively. 2.

On the flip side, if you take on fixed debt for 5 years and the market rent increases, you will come out much better.

If your income and debt to income ratio can support both, then yes you can.