Debt to Income: Problem Refinancing Buy and Hold?

[Joshua Isley]

Hello all! Long time lurker, first-time poster. So much great information from everyone, I could read the forums 24/7! Not sure if this is the right category but here's my question. 

Working on purchasing a property with cash since there's no way it can go conventional. I've read several strategies available to get most of my cash back out in order to reinvest. ( I love Andrew Postell's LLC method) However, I am concerned with my debt to income ratio holding me back from banks refinancing. Is this a legitimate concern? Does the debt/income ratio hold as much weight when doing a refi?

If this doesn't affect me now, will this be a concern going forward?

Thank you in advance!

[Shawn Mcenteer]

Yes debt to income plays a part with refi. Essentially you are applying for a mortgage again so lender must make sure you are able to pay loan back. Speak with a lender to see what you need to do in order to qualify for conventional loan or refi.