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Updated about 2 years ago on . Most recent reply

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Brittany Stradling
  • Investor
  • Indianapolis, IN
85
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38
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STR income count towards DTI if purchased using vacation home loan

Brittany Stradling
  • Investor
  • Indianapolis, IN
Posted

My family and I are gearing up to purchase another primary residence in 2 years. Therefore, we want to ensure that we are prepared and there are no surprised. I feel like I've read somewhere that if you have a vacation home, you cannot count the income towards DTI? Is this true?


We currently have one cabin and one primary residence. 

I would be using a VA home loan if that matter.

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Replied

You'll need to have the property long enough to show up on your taxes. Once it's on your Schedule E a loan officer will be able to use the income generated to offset the debts in your DTI calculation.

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