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Updated over 4 years ago on . Most recent reply

Thomas Moran's profile image
Thomas Moran's profile image
Thomas Moran
  • Rental Property Investor
  • from Raleigh, NC
  • Member since Apr 9, 2019
  • Posts 85
  • Votes 32
  • Experience 7 Yrs
  • Investments 8
Connect

User Stats

85
Posts
32
Votes
Thomas Moran's profile image
Thomas Moran's profile image
Thomas Moran
  • Rental Property Investor
  • from Raleigh, NC
  • Member since Apr 9, 2019
  • Posts 85
  • Votes 32
  • Experience 7 Yrs
  • Investments 8
Connect
Thomas Moran
  • Rental Property Investor
  • Raleigh, NC
32
Votes |
85
Posts
Private Lending & Conventional Mortgage Advice

Debt to income for BRRR

Thomas Moran
  • Rental Property Investor
  • Raleigh, NC
Posted

Hey BP,

Working on my third deal (second rental) and started laying the ground work on a 91 day seasoning period loan. My question is- does personal debt to income ratio matter if the property is in an LLc when you refi? I have another rental and a primary house so I’m thinking this would put me over the threshold for debt-income but I know folks use this method to scale so I’m sure I’m overlooking something. Whats the best practice? Commercial loan? High equity? Large w2 income? Help!

-Thomas

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