![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/966418/small_1621506449-avatar-philipj23.jpg?twic=v1/output=image&v=2)
Hi,I have 5 flip-to-rent properties, and i have a day job as well ... I just refinanced a property and my loan officer said I have a "high debt to income ratio of 48" What does that mean? How do I get this down? I am ...
![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/883803/small_1621504944-avatar-jamesmtv.jpg?twic=v1/output=image&v=2)
Hello Everyone,I currently live in one of the most expensive areas of the country (Bay Area, CA). I work in tech at an amazing company (Facebook) and I am extremely fortunate to have a relatively high salary for my a...
![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/953488/small_1621506186-avatar-melanieh19.jpg?twic=v1/output=image&v=2)
Hi All! I had to share. Against all conventional advice and wisdom, I've just quit my job. My fiance's job brings enough for us to cover are needed expenses and I have about a year's worth of savings built up on top o...
![](https://bpimg-biggerpockets.twic.pics/no_overlay/assets/uploader_default_urls/5_news_item.jpg?twic=v1/output=image/cover=625x330)
![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/377612/small_1621447700-avatar-toddb14.jpg?twic=v1/output=image&v=2)
I believe this will the be the final and definitive word regarding Oceanpointe Investments LLC, Bert Whalen and by association, their closely allied business partner, Morris Invest. The Indiana Attorney General has c...
![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/313664/small_1621443567-avatar-alicejoyk.jpg?twic=v1/output=image&v=2)
Every single time I'm in any grocery store, walking the street, or anywhere in a posh neighborhood, esp. the Bay Area, I think: * "Golly, gosh, gee, how do these people afford these wonderful homes?"* "What do I have ...
![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/225517/small_1621434497-avatar-ubermensch.jpg?twic=v1/output=image&v=2)
I have been following the Holton Wise properties for awhile and finally saw one that interested me a few days ago. I am very concerned this might be a scam after @James Wise refused to provide what I believe is basic ...
![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/210142/small_1621433427-avatar-mikeswan1234567.jpg?twic=v1/output=image&v=2)
Why have you not sold, refinanced, or 1031 exchanged your pricey RE for more cash flow? I did and went from $50,000 cash flow to my current $120,000 cash flow and in 2 months moving to $160,000 cash flow. Would you h...
![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/3010/small_1621346391-avatar-nogginboink.jpg?twic=v1/output=image&v=2)
I know the "50% rule" is bandied about as gospel here in the forums, but haven't seen any actual, hard data that says that operating expenses tend to be ~50% of gross rent income. I'd like to verify this number is, in...