@Nicholas Halarhello and welcome. 

Welcome to BiggerPockets Francisco and thank you for your service to our country.Some of the best ways to network and help on BP is by contributing on these forums.

Do you understand what it means when I say; when RSI drops under the 30 on a sentiment move, lock in that cash covered Put ITM, to then cycle OTM covered calls in the 20's delta range on the 20-30 day execution. 

welcome!!!

Welcome! 

Hello Adam and welcome to the BP forums.HERE is a list of the most recent local meetups in NYC.

This only takes into account the monthly payment you're trying to buy and in essence you do backwards math till you work your way into a maximum loan amount or purchase price usign this 46.99%.The backend of 56.99% or 10% higher than your front ratio of 46.99% just means you have 10% of your monthly gross income for all your other debts like car loans monthly student loans credit cards etc (other debt basically), you cannot exceed this otherwise it will reduce your front ratio vice versa (IE if your back end stuff is 20% that only leaves you 36.99% for our front ratio = total of 56.99%).You can payoff debt, get a raise at your job, you can buy down your rate, get a cheaper insurance quote, have your brother refinance your car off your name, etc (strategies to reduce your DTI to increase your borrowing power).

The second group are contractors possessing both financial means and wherewithal who already run profitable construction businesses and eventually decide they’d rather build or renovate for themselves.

For a rental property it means that it is ready for move-in and is advertised for rent. 

Hey Matthew, welcome!