All Forum Posts by: Julian Sanchez

How much higher are the DSCR loan rates and terms?

present day vs historically?

hello BP Don't wanna post here the entire answer that chat GPT gave me but instead ask those here with an existing SFH portfolio how have you personally gone around Debt to income limitations?

🔵 For Residential (1-4 units, financed personally):
Debt-to-Income (DTI) ratio is critical.

• Lenders (especially banks, Fannie Mae, Freddie Mac) will often cap allowable DTI at around 43%-50%.

• If an investor's personal DTI is too high, even if the property cash flows, they can get declined for financing or be forced into worse terms (higher rates, larger down payments).

• Every mortgage they personally guarantee adds to their DTI burden.

Result: Their growth hits a ceiling fast unless they pivot to commercial lending, partnerships, or creative financing.

I've done Crypto, stocks, businesses, ecommerce, trading bots, ponzi schemes etc. 

Curious what else is out there

So where can one Advertise or offer one's services?

I offer DFY Ecommerce business, online stores at national retailers
Like this one

Consistent recurring money in the bank.

Real estate is long term wealth generating, but we all got started in real estate for the "passive income" (it is never truly 100% passive)

Furthermore:
The equity rich cash poor problem is one I was faced with as well because I put it all into our apartment buildings. Put all my eggs in the real estate basket.

Then cost of living increased and my parents needed help financially.

The ecommerce allowed me to supplement my real estate cashflow.

I was thinking this would be a good offer for flippers who want the certainty of recurring income and likely already have the purchasing power (as we need at least 40k in credit lines for purchases hence the image below)

Any feedback at all would be much appreciated.

Thanks

Well if you have some money to invest I offer DFY Ecommerce business, online stores at national retailers.

Consistent recurring money in the bank. Real estate is long term wealth generating. 

The equity rich cash poor problem is one I was faced with as well because I put it all into our apartment buildings. Put all my eggs in the real estate basket.

Then cost of living increased and my parents needed help financially. 

This allowed me to supplement my real estate cashflow. 

Well if they have some money to invest I offer DFY Ecommerce business, online stores at national retailers Like this one. 

Consistent recurring money in the bank. Real estate is long term wealth generating.

 To sue is the only option, that gets expensive and takes months...
Spoke with our attorney this morning and sent him everything. He'll review next week and let me know if it's worth pursuing.

on the roofer I sent an email with everything to the city so they will remove his license and/or forbid him from every pulling a permit again. 

On the city inspector I'll try but likely no consequence, our attorney says municipalities are not held accountable for things like this 

All this time in this business and can't believe nobody at any seminar, meetup or event has shared this. in summary:

• Hired roofer did a bad job after paying him close to 30k

• City inspector PASSED and APPROVED the permit! Unbelievable 

• His insurance won’t cover because as it turns out commercial liability does not cover craftmanship defects 

they need E&O insurance for that, 

hard lesson learned, 95% of small contractors will not have E&O, it's an extra cost for them and only the larger construction companies carry it.

When doing big jobs always make sure your contractor/GC has this

Happy Investing (:

Reviving this post. 

@Matt Taschner what did you end up doing?

The best option here was to do an executory contract and flip it