Ok - this will be a bit of a winded post but want to air my current situation and ask for your help. I am really looking to have explained a little deeper the ways individuals build a buy-and-hold portfolio and get around the 2 year land lording requirements that banks offer. I read all the time how people accumulate property w/$100k cash, put $20k down on 5 properties and viola you have 5 $100k homes w/$80k mortgages on them.

I have heard call different lenders and ask but the handful I have contacted don't have any answers for me other than I can't do anything additional without 2 years land lording on my taxes for DTI purposes.

My situation:

I am employed full time with a rough salary just shy of $100k/yr

I have a primary residence with a mortgage on it and little equity

I am also putting the final touches on an investment property that was paid cash for and is worth about $160k.

I have additional cash to cover down payments on a few more properties.I was pre-approved for $150k financing on my next place with 20% down.

My fear is in a few months once I have renters in there I cannot get additional financing for more properties until I show 2 years on taxes to offset the dti.

I am just looking at how others have approached financing within the 2 year taxable rental income.

I get that when I have a few properties I can find a portfolio lender to help me out but I want to ensure that I can keep the ball rolling.

Thanks in advance and I searched the forums found a lot of info but none that specifically helped my situation.

Dom