82: How to Qualify for Your Next Rental Property (Even If Your DTI Says No)

✨Join me for my FREE Class! The Biggest Roadblocks Keeping Landlords From Scaling — and How to Fix It March 24, 2026 at 12PM & 7PM ET via Zoom ​​https://owningitandlivingit.com/landlord Want to see the exact tech stack I use to run my $5M+ rental portfolio? In this video, I'm breaking down every tool — starting with Baselane, the banking and bookkeeping platform that keeps my entire rental operation organized and running on autopilot. 50,000+ real estate investors use Baselane to automate their rental finances. Sign up at http://baselane.com/erikabrown and get a $100 cash bonus. 🔗 [baselane.com/erikabrown ] The #1 thing that keeps landlords stuck at 1-2 properties? Financing. In this interview, I sit down with [Lender Name] to bust the biggest myths about qualifying for rental property loans and show you how to scale—even if your debt-to-income ratio says no. In this interview, we cover: ✅ The DTI myth: Why your W2 income isn't the only income that matters ✅ How rental income counts toward qualification (and when) ✅ DSCR Loans, what they are and how to qualify for them ✅ What banks actually need to see (documents, reserves, credit score) ✅ The biggest mistakes landlords make when applying for financing ✅ Your step-by-step gameplan to finance your next property If you've been stuck thinking you can't qualify for another rental property, this interview will change that. ━━━━━━━━━━━━━━━━━━━━━ ⏱️ TIMESTAMPS ━━━━━━━━━━━━━━━━━━━━━ 0:00 - Why financing keeps landlords stuck 0:30 - The DTI myth: Does it really stop you? 3:00 - Creative financing options (DSCR,) 5:30 - What banks actually need to see 7:00 - Your action plan to finance your next property 8:30 - Stop letting financing keep you stuck ━━━━━━━━━━━━━━━━━━━━━ ✨ WORK WITH ME ━━━━━━━━━━━━━━━━━━━━━ If this episode was helpful, you'll love my newsletter. I share practical real estate advice, real stories from the community, and the next smart move you can make. https://erikab.kit.com/f2f4df9a56 Would you like to work with me directly? Book a Call to work with me in 2026! https://calendar.app.google/NMFNL2CYYPMP1FZn7 If you're looking to meet more like-minded people who are interested in building wealth, you'd love being in the room at The Owning It & Living It Experience. It's where real estate strategy, community, and clarity come together to help you make your next smart move. You can grab your ticket before the next price increase. https://experience.owningitandlivingit.com FOLLOW FOR MORE: YouTube for long-form episodes + IG for daily reinvention content. https://www.instagram.com/erikabrowninvestor/ ━━━━━━━━━━━━━━━━━━━━━ 🔎 ABOUT ERIKA ━━━━━━━━━━━━━━━━━━━━━ I'm Erika Brown, CEO of Owning It & Living It. I've built a $5M+ rental property portfolio while working full-time and homeschooling my kids. Now I help high-income professionals scale their rental portfolios with systems, strategy, and support—no burnout required. #rentalpropertyfinancing #realestateinvesting #landlord #DSCRloan #creativefinancing #rentalproperties #realestatefinancing #debttoincomeratio #propertyinvesting #landlordtips #investmentproperty #realestatelender #portfoliolender