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In this episode of the Learn Like a CPA show, Ryan Bakke delves into the critical concept of the debt-to-income ratio (DTI) and its impact on real estate investors' ability to scale their portfolios and achieve financial goals. Ryan offers practical advice on how to calculate and manage DTI, the importance of lender relationships, and strategies for maintaining borrowing power. Key topics covered include:
Calculating your debt-to-income ratio Importance of maintaining a relationship with your lender Differences between short-term and long-term rental income Strategies for depreciation vs. repair expenses Importance of liquidity in your investment portfolio
Timestamps:
00:00:00 Intro
00:00:47 What is Debt-to-Income Ratio (DTI)
00:04:37 Short-Term vs. Long-Term Rental Income
00:08:12 Depreciation vs. Repair Expenses
00:11:55 Liquidity and Access to Capital
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*None of this is meant to be specific investment advice, it's for entertainment purposes only.
