Lender · Los Angeles, CA · Member since 2018 · 2k+ posts · 1k+ votes
6y
@Alejandro Sandoval Perhaps you're looking for a Non QM or Commercial lender who does not require any personal DTI % to be met and instead relies on the subject properties cash flow and your FICO?
Residential Agent And Investor · Scottsdale, AZ · Member since 2013 · 212 posts · 83 votes
6y
I think you're looking for something that doesn't exist. Most HML are for a year or less and aren't intended to act as long term financing.
There may be a loan product out there that would better suit your needs if you can explain a little bit about your situation and what you're trying to do.
Lender · Los Angeles, CA · Member since 2018 · 2k+ posts · 1k+ votes
6y
@Alejandro Sandoval Perhaps you're looking for a Non QM or Commercial lender who does not require any personal DTI % to be met and instead relies on the subject properties cash flow and your FICO?