考虑用HELOC 的钱去买投资房，买好了租出去以后再给出租房办一个贷款把钱取回来。但是担心这样做比不申请HELOC直接贷款的难度要大一些？
例如我自住房HELOC $1M with 每月利息 $1K。投资房dai?k?w$800K with monthly mortgage and property tax of $2000; 出租收入 rental income of $1600; 假如我的自住房mortgage and tax are $3000, and my monthly W2 income is $10k.
Case1: with heloc, debt is $1000+$2000+$3000, income is $10k plus 0.75*$1600=$1200, which totals $11200. My debt to income ratio is $6000/$11200=54%.
Case2: without heloc, I buy the rental property with loan on day 1. Debt is $2000+$3000, income is $10k because on day 1 I don’t have rental income from the rental property yet. So my debt to income ratio is 50%.
Is the above calculation correct? So the heloc makes my debt to income ratio worse? 那这样看起来是不是就不应该申请HELOC，还不如投资房直接贷款能够更容易贷到款？
例如我自住房HELOC $1M with 每月利息 $1K。投资房dai?k?w$800K with monthly mortgage and property tax of $2000; 出租收入 rental income of $1600; 假如我的自住房mortgage and tax are $3000, and my monthly W2 income is $10k.
Case1: with heloc, debt is $1000+$2000+$3000, income is $10k plus 0.75*$1600=$1200, which totals $11200. My debt to income ratio is $6000/$11200=54%.
Case2: without heloc, I buy the rental property with loan on day 1. Debt is $2000+$3000, income is $10k because on day 1 I don’t have rental income from the rental property yet. So my debt to income ratio is 50%.
Is the above calculation correct? So the heloc makes my debt to income ratio worse? 那这样看起来是不是就不应该申请HELOC，还不如投资房直接贷款能够更容易贷到款？
