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Gregory Schwartz's profile image
Gregory Schwartz's profile image
Gregory Schwartz
  • Rental Property Investor
  • from College Station, TX
  • Member since Nov 11, 2016

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Gregory Schwartz's profile image
Gregory Schwartz's profile image
Gregory Schwartz
  • Rental Property Investor
  • from College Station, TX
  • Member since Nov 11, 2016
Gregory Schwartz
  • Rental Property Investor
  • College Station, TX
1,081
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1,112
Posts
Mortgage Brokers & Lenders

DTI: How do different loans effect the debt side of DTI

Gregory Schwartz
  • Rental Property Investor
  • College Station, TX
Posted

I have different loans and I want to know how they will affect my DTI

1. Seller Financed: I don't see any verbiage in the loan document that made me think this is personally guaranteed. Do the taxes and insurance on this property count against my DTI (No escrow account required)

2. Personal loan secured by the property: Same deal, no verbiage that I see making it appear that this is personally guaranteed

3. Commercial loan on a property owned in an LLC that I have 50/50 ownership in, that loan is personally guaranteed. Will the bank count all of the debt against my income, half? None?

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Schwartz Realty Group
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