If you don't qualify for conventional financing, but have cash for down payment, then there are numerous "business purpose" lenders out there that will help you with a no income verification loan, depending on credit, up to 80% loan to value.

You can then reward them for this by guaranteeing a certain return on their money and a chunk of equity in the deal.

Even though they will use my current numbers after verifying the lease agreements, they calculate DTI by adding NOI to the denominator, and debt service of the rentals directly to the numerator, as opposed to taking NOI minus debt service and then adding that result to the debt or income. 

when banks choose to stop U have no recourse or power to convince them otherwise.time to find alternate banks.. most will have a limit. usually a dollar limit.. so its just dialing for dollars have a great package show your bonafide and have numerous lenders.back in my HML days I had 6 banks that I had lines of credit with in the 2 to 8 million dollar range each.but and those were max that those particular banks would do for me. each was different. we were the same they just had their own formulas they followed. these are small commercial banks right .. they are not forced to making CRA loans or anything like that.

I have read numerous posts on this forum about HARRISBURG.

Said person has it and won’t give me a copy—I’ve asked for it numerous times and I’ve tried speaking with them about the situation they’re in.

If there’s no beneficial reason you’ve gotten into bad debt, then there’s no reward and it’s something that’s unjustified.

High Returns on Your InvestmentNo matter what type of investing you do, you always have to balance risk and reward.

., but everything hinges on risk/reward in looking at the numbers. 

This led me down a weird series of events as I didn't know exactly when I wanted to do, and although I made numerous mistakes with ventures that I am no longer pursuing, I learned a lot.