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Updated about 6 years ago on .

Wei Jie Yang's profile image
Wei Jie Yang's profile image
Wei Jie Yang
  • from New York City
  • Member since Nov 2, 2018

User Stats

161
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75
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Wei Jie Yang's profile image
Wei Jie Yang's profile image
Wei Jie Yang
  • from New York City
  • Member since Nov 2, 2018
Wei Jie Yang
  • New York City
75
Votes |
161
Posts
Private Lending & Conventional Mortgage Advice

Rental in helping or hurting me on the HELOC?

Wei Jie Yang
  • New York City
Posted

I am having trouble getting the full value of my primary due to DTI limitations. How tight/loose are underwriting standards from bank to bank? Is it normal for a lender to assume a 25% vacancy factor when it comes to rental income for a HELOC? Or is that a limitation due to the investment properties being new? Or is that standard across the industry at the moment?

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