Private Lending & Conventional Mortgage Advice
Market News & Data
General Info
Real Estate Strategies
Short-Term & Vacation Rental Discussions
presented by

Landlording & Rental Properties
Real Estate Professionals
Financial, Tax, & Legal
Creative Real Estate Financing
presented by

Tax, SDIRAs & Cost Segregation
presented by

1031 Exchanges
presented by

Real Estate Classifieds
Reviews & Feedback
Updated almost 9 years ago on . Most recent reply
Worried about debt to income ratio
I'm working my way toward a 20% down payment for a conventional loan on my first investment property (buy & hold rental, single family home). My credit score is high and my reserve funds are adequate, but my mind is stuck on my debt to income ratio. The only debt I have is a low-to-no balance credit card and personal residential mortgage. But that mortgage is creating a high DTI ratio. Is that sometimes overlooked by lenders if other factors outweigh the high ratio?