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How to purchase more rentals when the bank says debt/income ratio will be maxed after the next property.

I'm afraid I am going to get stuck with my income/debt ratio and not be able to progress forward. I know it's coming, and I want to prepare myself.
Looking for advice on what you did to continue purchasing rental properties.
Current situation: Ontario, Canada Working a salary job 80-100k Have a side hustle that brings in 20-40k Living at home. Bills are $1500/month
Own: Townhouse - refinanced 2020 to purchase the duplex Duplex - Refinanced early 2022 to purchase the fourplex Fourplex - purchased in september. Doing some upgrades to potentially refinance 60-100k for the next purchase.
After expenses I'm bringing in about $2000/month in cashflow. Between this and my personal income, most cash is getting dumped into the duplex as I am converting the basement to a 1 bedroom unit which will bring in another $1200/month.
All my mortgages are with the same big bank. My mortgage broker is saying I may be able to purchase only one property more with my current salary. Only way after that is to increase my salary significantly, which is not an option.
Any advice is appreciated.
submitted by Jeffenatrix to realestateinvesting [link] [comments]

How does rental income affect debt-to-income ratio for future purchases?

I own a duplex. I rent one unit, live in the other, and rent the extra bedrooms in the unit I live in.
How does the rental income impact my ratio overall if I wanted to buy another property?
submitted by BryceLanglotz to realestateinvesting [link] [comments]

How can my debt to income ratio be this high?

I've made an offer on a home and my mortgage broker said to qualify for a new home buyers credit one of the stipulations is to have a 45% or less debt to income ratio. He said mine is 49% but I am not sure if it is right since I have very little debt. 10k is a big credit to lose. Pls help me to understand these numbers.
I make 89k salary, and another 5k untaxed income. After all paycheck stuff, my net is $4850 per month. My debt is 4k in student loans, payment is 100/mo. Another 1k left in car payment, 278/mo. That's it.
The house I'm looking at is 350k. After down payment I'd be taking 330k for the loan. This comes out to roughly $2600 payment with taxes and ins included.
I thought you weren't supposed to include the housing payment in this calculation but the only way this is correct is if it is.
Since this is a VA loan, I cannot include my gf's income in the loan, which would completely solve this issue. Which I find quite ridiculous to begin with.
submitted by IsopodOrnery4692 to FirstTimeHomeBuyer [link] [comments]

Help me understand this Mortgage Debt to Income Ratio

Not sure if this is the right place, however I was curious about how income to mortgage debt has changed over the years due to rising housing costs and stagnating wages. Looking through FRED data I came across the " Mortgage Debt Service Payments as a Percent of Disposable Personal Income" data. I was expecting this to be much higher, maybe around 20-30%. Any thoughts on why the percentage is much lower? Am I looking at the correct dataset?
https://fred.stlouisfed.org/series/MDSP
submitted by enuffscruff to datasets [link] [comments]

Canada Q2 household debt-to-income ratio widens to new record high

submitted by rainpizza to collapse [link] [comments]

Trying to understand this Mortgage Debt to Income Ratio dataset

I was curious about how income to mortgage debt has changed over the years due to rising housing costs and stagnating wages. Looking through FRED data I came across the " Mortgage Debt Service Payments as a Percent of Disposable Personal Income" data. I was expecting this to be much higher, maybe around 20-30%. Any thoughts on why the percentage is much lower? Am I looking at the correct dataset?
https://fred.stlouisfed.org/series/MDSP
submitted by enuffscruff to AskEconomics [link] [comments]

Why do Norwegians have such a high debt to income ratio? (241%)

I was shocked when I found out that Norwegians are only second to Denmark in the world when it comes to household debt. Does this mean that Norwegians are living beyond their means?
https://data.oecd.org/hha/household-debt.htm
submitted by Slippery_Squirrel to Norway [link] [comments]

Calculating Debt-to-Income Ratio when also co-signed under a house lease?

Hi guys,
Me and my SO are going to hunt for our first home in the next few months. We have a few questions about how debt to income ratio works. Here's our situation:
  1. I currently live in a rental home with my family. The lease is $2000, I co-signed and am paying my part which is $500. I have student loans which is $100 per month. I have no other "debts" like credit cards or car payments. My gross monthly income is $6850.
  2. My SO has no pmts at all, with a gross monthly income of $7800.


*NOTE: When we apply for a home, I will still be part of my family's rental lease as it doesn't end till later next year. This is due to a family emergency/compromise.
submitted by IntelligentDesign776 to FirstTimeHomeBuyer [link] [comments]

Canada Q2 household debt-to-income ratio widens to new record high.

Canada Q2 household debt-to-income ratio widens to new record high. submitted by jabnes to canada [link] [comments]

Statistics Canada says household debt-to-income ratio climbed higher in third quarter

Statistics Canada says household debt-to-income ratio climbed higher in third quarter submitted by yyzworker to AnythingOntario [link] [comments]

Canada Q2 household debt-to-income ratio widens to new record high

Canada Q2 household debt-to-income ratio widens to new record high submitted by Mighty_L_LORT to canada [link] [comments]

Low interest loans at low debt to income ratio but short credit history

Hello UKPF,
I (23M) have been trying to find a low APR loan of around 13k but to no luck. Using the ‘soft check’ eligibility checkers I can’t seem to get pre approved (or high percentage chance) on any of the low interest loans from the big names (HSBC, Sainsbury’s, Tesco etc you know the kind).
I make around 44k a year so I doubt that the income to debt ratio is the issue. I have however only just recently (within last couple months) started building credit history with a credit card. Does anyone have any insight as to when my chances of being approved will increase? Or am I just dreaming that I can get approved at 5% and may have to take the 15%+ loans to further build history for my future.
(Apologies if this has been answered before but I couldn’t find any posts using the search, please link me if you know of any)
submitted by gm2019 to UKPersonalFinance [link] [comments]

Banks are lowering home loan requirements to counter rising interest rates. Lower credit scores, higher debt-to income ratios in 2022 vs 2021. Still not like 2008??

Banks are lowering home loan requirements to counter rising interest rates. Lower credit scores, higher debt-to income ratios in 2022 vs 2021. Still not like 2008?? submitted by tasiest_pizza to REBubble [link] [comments]

Mortgage debt to income ratio explained

Mortgage debt to income ratio explained submitted by Salvatore-John to mortgage101 [link] [comments]

How to get my debt to income ratio under 50%

I struggle to save money and now that overtime and bonuses are gone I find myself paycheck to paycheck again. It seems like most expenses are really just standard living expenses.
Married with children, 2 kids.
https://imgur.com/a/PN33zBk
submitted by NoMoLockdDoors to personalfinance [link] [comments]

Debt to Income Ratio question

With the expected student loan forgiveness, are there any predictions about the market being flooded by millenials who now have purchasing power?
As someone who is expecting full student loan forgiveness, but with a good dti ratio to begin with, should i wait for the loans to fall off or get into the market ahead of the curve?
All advice welcome
submitted by fmp243 to FirstTimeHomeBuyer [link] [comments]

debt-to-income ratio and rent payment

I am looking into buying a home. I pay my rent via my credit card. I don't think it makes sense for a mortgage lender to include my rent when considering my DTI, however I think they might do so since they consider credit card payments and my rent is paid via my credit card.
What can I do to avoid my rent being considered? Do I need to show the lender my credit card statement so they know to subtract rent when calculating DTI?
Thanks
submitted by PoliteSupervillain to personalfinance [link] [comments]

Debt to income Ratio

Looking to hopefully buy my first house and I am wondering if I am in a good place to shoot for a loan… Here are my finances:
50k a little more salary
No credit cards debt/ No student loans
250 Monthly Car Payment (2K balance)
190 Personal loan monthly
10k in savings.
Should I pay off my car? Is it going to help to potentially get a higher loan?
Any feedback is greatly appreciated.
submitted by harold1226 to FirstTimeHomeBuyer [link] [comments]

Debt to income ratio vs credit history?

So my wife and I are looking to buy a house probably sometime in 2024. Gonna need some time to save up for a down payment, get my credit up, decide where we want to settle down, etc. I'm going to more than likely use the VA loan. (I know I don't have to have a down payment with the VA but I'd rather cut back as much as I can on what I pay in interest.) My question though is with this loan forgiveness deal going on, would it look better for me to accept that and have a lower debt to income ratio? Or should I continue to pay on it and have that account on my credit with the payment history and everything? I'm not sure how it would affect my credit either.. I've only got about 9500 in student loans left, I could have them completely wiped out. Not sure if I'm in the right spot for this question, but any advice is appreciated. Thanks in advance ladies and gents.
submitted by macmiadhachain074 to FirstTimeHomeBuyer [link] [comments]

Abnormally high Debt to Income Ratio?

Hello everyone,
Wondering if anyone has checked their experian report lately, and saw a really high Debt to Income?
I'm not seeing new accounts under my name, my debt to income has always hovered around 35%, right on the edge of good, but manageable with a solid budget. Right now it's showing 55%.
Could this be an Experian thing and I'm just being paranoid. I've looked it over a hundred times and nothing is giving me any red flags... Any actions I should take now? I know with finance anything getting to the bottom of it as quickly as possible is the best practice.
FYI, my debt to income has always been at 35%, sometimes lower. What I'm saying is the 55% seems to be inaccurate and I can't find what made it change overnight.
Edited my garbage grammar.
submitted by twerking_for_jesus to povertyfinance [link] [comments]

I'm a previous mortgage underwriter at a major bank. In 2021 the maximum FHA debt to income ratio (with compensating factors) was 50% which is absolutely still way too high in my opinion. in 2022 FHA updated that to number to 57%

That's just irresponsible lending. Keep in mind the DTI calculation doesn't even account for things like gas, food, utilities, living expenses, insurance, medical bills, etc...
In addition, some lenders like better are letting you use "expected rental income" that you'd get from renting out a current property you're living in a rental income. That's HUGE as far as swinging the DTI goes because let's say you currently have a mortgage of $1500 that counts towards your expenses. Say you put you have elected rental income of $4,000. BOOM, that $1,500 monthly expense is wiped and replaced with $2,500 of monthly income. Absolutely insane. When I was a mortgage underwriter the requirements was you needed to provide proof of a minimum two years of consistent rent income on a property for us to count it towards your income and against your mortgage.
Not nearly as bad as 2008 levels, but still not responsible lending
submitted by OfferSuspicious9047 to REBubble [link] [comments]

What’s your income to debt ratio? And what country do you live in?

submitted by Palanders to AskReddit [link] [comments]

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