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Palmira Angelova
  • Oakland, CA
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How to keep investing in Buy & Hold after hitting debt ratio?

Palmira Angelova
  • Oakland, CA
Posted Dec 11 2016, 12:21

Hey everyone!

Curious to see how people have overcome the debt ratio hurdle. I'm a relatively new investor focusing on buy & hold, and very passionate about real estate. I'm about to close on my 4th property and with that, will max out both the money my family (who live outside the US) and I have pooled together and my own debt ratio. 

I'm planning a couple of years ahead and wonder what options are out there in terms of getting my next mortgage, given that my debt ratio is maxed out. The most obvious is to increase my own salary (which is unlikely short term, since I'm already a high earner for my level of experience) or apply for a mortgage with a co-investor.

What else have people done? Are there any options with an LLC, or have others gotten around this by using a local bank?

Would love to hear your ideas, and thanks BP community!

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