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发帖数: 1054 | 1 The current rules say that one can not have more than 4 mortgage loans.
In addition, the underwriter would look at your debt to income ratio
seriously. (Different banks or mortgage firms might have slightly different
rules though.But generally speaking, if you want to get very good loans with
implicit government guarantee, the rules are tight. )
As a result, it might be difficult to get 4 loans at the same time. ( Do not
lie to banks.It would be stupid to apply 4 loans at the same time and lie
on your loan applications.) But you can get more and more loans gradually.
When you purchase a property and rent it out, most banks would count your
rental income after a 2 years' period. Some might be willing to count it as
income in 1 year. During this process, you can get more and more loans.
Another approach you might want to try is to use HELOC or similar products.
You first purchase a property by cash. After you close on the property for
6 months, you can use it to get a HELOC . ( Usually it is 70%-75% of the
purchase price. )
After 4 mortgage loans, you may need to try portfolio loans or commercial
loans. You need to build good relationships with local bankers specialized
in
these financial products. |
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