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Updated almost 8 years ago on . Most recent reply

Mina G.'s profile image
Mina G.'s profile image
Mina G.
  • Rental Property Investor
  • from Jersey City, New Jersey
  • Member since Sep 17, 2013

User Stats

88
Posts
7
Votes
Mina G.'s profile image
Mina G.'s profile image
Mina G.
  • Rental Property Investor
  • from Jersey City, New Jersey
  • Member since Sep 17, 2013
Mina G.
  • Rental Property Investor
  • Jersey City, NJ
7
Votes |
88
Posts
Private Lending & Conventional Mortgage Advice

1st duplex for 7 years & now looking to invest. High DTI :(

Mina G.
  • Rental Property Investor
  • Jersey City, NJ
Posted

Hello,

I have had my first duplex (I live in one apartment, and rent the second one) for over 7 years now. I have enough funds to put as a down payment on another duplex in the same city (North NJ).  But the issue is my income to debt ratio is too high. Currently at 60%! and with this new property it'll be impossible to get a conventional loan. What're my options? 

This new property will be used strictly as an investment property as a rental. 

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