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Private Lending & Conventional Mortgage Advice

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Rental properties affecting DTI

Posted Apr 2 2024, 11:47

Hi,

If I want to maintain a healthy DTI for a primary residence conventional loan in a couple years, what should I be aware of, or what strategies must I employ? My current W-2 and rental income(4 duplexes in my name) have me at about 35%DTI, I am about to add another multi-fam property and it would bump my DTI to 46% even though it cash flows $2000...Do people simply start buying in LLCs(DSCR) at this point for this reason?

Any advice appreciated.

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