Let's talk about you and your personal financial situation and what's happening in real estate

right now.

We've got three great questions from our audience today.

And I should mention, if you would like to book a call with my team at Morris Invest, we

build brand new construction rental properties with our development team.

They're brand new.

They're built in the best rental markets in the country.

Cash flowing with tenants in place in the

properties managed with a property management company. You don't have to do anything. You simply

work with us and our team will guide you through the entire process. We have financing built in on

these properties and enables you to grow your portfolio in a very meaningful way. We'll work with you one-on-one for years to come.

So we'll hold your hand through the entire process. So just go to our website, go to morrisinvest.com

and book a call with our team at your leisure, whatever time of day and calendar appointment you choose.

Go ahead and do that. All right. That's also where you can leave us a voicemail question.

Let's start with our first voicemail today from Steve, I believe.

Hi, Clayton. I have lots of equity in my home and my cash flowing real estate and excellent credit,

but lenders keep denying me loans because of the debt income ratio. I want to improve my rentals and raise rents as well

as add a number of ADUs. What could I do? Thank you. Well, first of all, don't be discouraged

just because certain banks tell you that they won't lend to you. But I understand, of course,

debt to income ratio is a problem. It doesn't affect your credit

score specifically. Okay? It's not, but it means that when lenders look at how much debt you

have on compared to your income, they will put you in a certain riskier or non-risky category.

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