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A Wave of Zoning Law Changes Could Have Huge Impacts for Investors and Housing—Here’s What You Need to Know
The U.S. is facing a housing deficit of about 3.2 million units, and the situation is especially dire in urban areas like New York. It’s one of the reasons prospective homebuyers are finding […]
Do You Think It’s a Tough Time to Invest? It’s Not When You Can Get Deals Like This
Are you sitting on the sidelines in this market? Many investors are. There’s a lot of fear and caution. But we’re not. And you don’t need to be, either.  Of […]
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Starting Out
HomeForumsStarting OutDTI and the Two Year Rule
Nick Causa's profile image
Nick Causa's profile image
Nick Causa
  • from Greenwich, CT
  • Member since Mar 8, 2017
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Nick Causa's profile image
Nick Causa's profile image
Nick Causa
  • from Greenwich, CT
  • Member since Mar 8, 2017
Connect
Nick Causa
  • Greenwich, CT
8
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81
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Starting Out

DTI and the Two Year Rule

Nick Causa
  • Greenwich, CT
Posted Feb 23 2018, 18:25
Anyone have any success getting around the two year rule? My wife and i rent out our house and downsized to an apartment to save for a house. We’re now ready to buy a multifamily but because our rented house will continue to count as debt for two years our DTI is way too high (49% after taking into account the mortgage on a new home). Anyone have any success or know any banks that are a little more lenient with this?
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