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All Forum Posts by: Justin MacMillan

Justin MacMillan has started 1 posts and replied 2 times.

Short-Term & Vacation Rental Discussions

Post: STR real estate agents

Justin MacMillan
Posted
  • Lender
  • San Diego, CA
  • Posts 2
  • Votes 3

Hi, does anyone have recommendations for an agent that is familiar and has experience with short term rentals in Fairfield County or Hocking County areas? Again, they have to have experience with short term rentals along with the market. Not for primary home or regular long term rentals. 

3 Votes
Columbus, Ohio
Creative Real Estate Financing

Post: Cash Purchase Rental Property by Mortgaging Another Property

Justin MacMillan
Posted
  • Lender
  • San Diego, CA
  • Posts 2
  • Votes 3
Quote from @Garrett H.:

I'm exploring options to generate enough funds to purchase a $450k investment property but don't have the liquid cash. I have another rental property free and clear and considered securing the funds by taking a mortgage out on it. I'm not certain of my debt to income ratio at the moment, but if I try to mortgage out a property to purchase another, does the rental income I anticipate getting from the new purchase factor into the debt to income calculation? Or am I looking at this all wrong and would be better to just to find a hard money lender to finance this?

Hi Garrett. 

yes lenders will consider the rental income of the new investment property. There are option to do it the conventional route, and there are options that does not considered DTI (like dscr loans). Let me know if I can help you out with this. 
0 Votes
San Diego, California