January 6, 2022 • 13 mins
Maja tells us about the debt to income ratio and how to calculate it, tips on how to bring your debt down, and what does or doesn't add real estate value to a property.
Real estate entrepreneur Maja Sly runs a real estate empire, a chain of beauty salons in Atlanta, a hair extension store, and an entrepreneurial training and coach program. Anything in the real estate space you have ever wanted to learn about this woman is your go-to source.
Host: IG: @itstanyatime
Guest IG: @majasly
Gust Website: Maja Sly
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
Hey, Money Movers, Welcome back to Money Moves, the daily
podcast determined to give you the keys to the Kingdom
of financial stability, wealth and abundance. All right, more from
Maya on the money Versus Move segment. Okay, my our
(00:22):
next question comes from Alexandra Garcia, who writes in does
an in house elevator add real estate value? Now? Okay,
but they're so cool when people have elevator? Had finished
the question, does an in house elevator add resale value
to the value of the house. We're building a single
family home. It has three floors. We're working with the
(00:43):
builder now for our dream house, and in their initial
plans they have stacked some of the closets on top
of each other so that all three floors combine and
have this optional elevator. What do you think now? It
sounds so doesn't He's the only builder in the area
(01:03):
that came up with the bright idea to put elevators.
Why do you think nobody else has elevators? I don't know,
but you know sometimes I saw Dinny the other day
and he had a scooter and he was going in
his house, and he went in the twenty million dollar house,
not your four hundred thousand, five hundred thousand dollar house,
even a million dollar homes. So so I guess for context,
(01:24):
let's think about it like this. An elevator, if this
were your forever home, yes, you are going to be
able to enjoy the benefits of that. But think about
it like this, when you go in and finish out
of basement right with the builder, you got all these
design ideas, you go to design center and pay ten
X would you pay if you're doing all of these
things yourself? Right? Me and my neighbor have lived next
(01:45):
door to each other for um nineteen years. He paid
a hundred thousand dollars more for the same unit because
he went in and tripped it out with the builder.
I finished my own basement. My basement looks way better
than this. Wow, for five thou dollars he paid a hundred.
He paid a hundred. So that elevator that was an
option from the builder for thirty dollars doesn't make any
(02:08):
sense for a three floor it's three floors, not six.
And you know what, I think, it's a different story.
If you know you said listen and physically challenged, there's
a real reason behind it. But apart from the fact
that you want your connecting closets, like yeah, and I
think this is the advice you're giving is so good
because people have to understand when you're building your home,
are you building up forever home, like you're going to
be there for decades, die and pass it on to
(02:30):
your your kids or something right, or is this something
that in a couple of years you're going to want
to resell and you never want to be the most
expensive house on the block, the most upgraded house in
the neighborhood always stays on the market the longest because again,
nobody remembers how we get here, right, because you wanted
this paint versus this paint, which was a huge difference
(02:51):
in price point. But when the person who's getting ready
to buy it walks in, they don't know the difference
between the and you're not they're saying and you're no,
They're they're saying in it. No, this paint was the
and unlike this with my client, good yeah, helps you
enjoyed it because we're not paying So these were like
this paint was painted by four people on the stools
that nobody Yeah, it's green paint, you know, with no additives. Right, Yeah,
(03:16):
we haven't had lead bags paint in a decades, so
we're okay here. So those things are things that you
have to think about when you get ready to resell,
because all of these upgrades are means you better enjoy
because you can't take them with you when you get
ready to resell. And your neighbors are your competition. So
if I yeah, that's your competition. So average days on
(03:38):
the market, average list price, all of those things matter.
Even when you have a pool, you want to do
this hundred pool, hope you lap, swim whatever, backstroke every
day so you can enjoy it because you're not going
to be able to get that full value of that
pool back. So these are things that you want. These
(03:58):
are the things that you want. That Viking stove, you
can it's gonna be very hard to get that out
and then put another stove in there when you're showing
the property. So that Viking stove and that other ten
thou dollar refrigerator, guess what, enjoy it because when I
buy it, I'm not paying you. Yeah, I'm not paying
you for that. Yeah. This is a question I've always wondered.
(04:20):
What is allowed to take with you when you sell
a house like, can I take the chandelier that I bought?
Can I take this as long as you replace it
with something else? Well, don't show it with that, though,
because then it becomes part of the negotiation. So what
makes your homes show beautifully? Guess what? You're better to
go put that builder grade in there, because if I
come in, you can put it in the listing description
(04:42):
and say all lights are being taken dab dada dada.
If my clients sees that there, they can't unsee that. Yeah,
So you don't get the benefits of showing what it's
gonna look like, but then you want to take it
with you. So be clear when you make these investments
that have something that you can put their and hope
it shows. Okay, because you have one point five million
(05:02):
dollar house, but you put a you know, four life
fixture from home Depot in the four A now yeah yeah, yeah,
So when I pay you for this house, then you
take that money and then you go buy you another one,
but this one stays with me. Got it, got it?
Got it? Okay, Maya, that was so awesome. I love
the way you're giving us all the t on this. Okay, Maya,
(05:23):
I want to shift topics. Here, d T I people here,
this dropped all over in conversation super casually. My d
T I, my d T I. What is d T I? Well,
first of all, I love it when people throw around
acronyms to people who are in an industry. I'm like,
do you even know what that means? Exactly? Do you
even know how to calculate it? So, your d T
I is your debt to income ratio, So you're debt
(05:43):
how much you owe that versus your income. So easiest formula.
Whenever you're trying to figure out how much home do
I qualify for? Always use whatever your income is. So
whatever your income down to the penny to the penny.
So odd jobs, no, no, no one, not you, not
your odd jobs. The need that is claimed on your
tax return, your a g I. So that a G I.
(06:04):
That's the number. So it's going to be forty two thousand,
five hundred and sixty seven dollars and eighty three cent.
They qualify you down to the penny, penny the penny.
So if someone says, oh I make forty two thousand,
and then I get their contract and it says forty
three thousand, two hundred. You know, I'm like, well I
need that, know, I need that one thousand, two hundred
dollars because over twelve months, that is another hundred dollars
(06:28):
a month on a d t I. That means you
can qualify for a little bit more. We need every
we need to squeeze every penny, right, So your d
t I is going to be your adjusted gross income.
So if your W two employee, if you're not taking
any right offs, whatever that amount is on that W two,
that's your income. That's your income divided by twelve. Multiply
it by point for one to be conservative. So point
(06:51):
four one is on a conventional loan, I let you
go to about point for three. But on fh A
you can go back in ratio dat I is high
schoo yeah, depending on the credit score. So the high
ending on your credit depending on your lender is going
to help you get into that detail. Well, they're gonna
go into that details. So your d t I is
going to be that number that you use. So for instance,
(07:13):
if it's fifty divided by twelve, multiplied by point four three,
whatever that number is, you're going to subtract all of
your bills that are on your credit report. So if
you've got a thirty dollar Capital one bill, you've got
a ten dollar not yourself, nothing that's not reported in
your credit So that's why it's forty one because I
know you have other things you have to pay for.
(07:34):
So all of those bills with the new house payment
is the maximum you can qualify for? Yeah, the maximum,
the maximum. So for instance, if you buy a City
of Atlanta versus unincorporated cop, that's a different payment because
you don't your property taxes are more expensive in City
of Atlanta than there are cops. So that's just really
(07:55):
a ballpark. It's going to give you an actual payment
amount that you qualify for and then they calculated from
there set. Okay, So now I think people have a
great understanding of what d T I is. What are
some tips and tricks to actually help bring that number
down up? Pay it down? Yeah? Yeah, yeah, you can't
manifest that again, I'm manifesting my house. That doesn't you
(08:18):
manifest money money they make more money. That's a whole
another topic. But you know, pay down the debt, because
I think this is the thing that people struggle with
the hardest. How do I pay down the debt. Is
it buying less Starbucks? Is it buying this? I mean
those are all common sent tips like spend less, But
how do you help people pay down their debt? People
don't want to spend less and tell me give you
(08:39):
some hacks that I use with my clients. So when
I look at their numbers, I always tell them to
send over their bank statements because I bring them on
an onboarding call. I can see where you're spending your money.
So if you like to eat out every day, that's fine,
but we've got to get this right burnt down. So
either you're going to have to work more or desire less.
Right like this is I mean, that's just facts, right,
it's very black and yeah yeah channel beds. Are you
(09:00):
five thou dollars, but you know three or four five
thousand dollars in your bank account. Guess what you better do?
Get to sell in that chanel bag because at the
top of the market, right, yeah, how you can clear
out your closet and really you can raise about five
to ten dollars and stuff that's sitting around your house
on a yard sale and use that money to really
pay down some significant debts for you and you won't
(09:21):
even feel it. You know what we love about Uber,
door Dash and all of these other people. You can
work very few hours and make a lot of money.
You can't use that money to qualify, but you can
use it to make money to pay that debt doubt. Oh,
I love it. I love it, and you know, I
feel like people just have to understand, like it's a science.
You can do all these things and just pay your debt,
do pay your hand down. You can pay your debt
(09:44):
and your bills that you have right now, your cell
phone bill, your cable bill, your light bill, your gas bill.
All of these things are deregulated. You can call each
one of them right now and reduce those bills to
almost half. Say you call the client retention department and
you say, you know what, I got a better deal
with Horizon and I'm an A T and T or
(10:05):
vice versa. They will allow you to move your same line,
have the same plan or a more robust plan for
for half the price, for half the price. And these
are great hacks because people think, like, honestly, the the
idea of like asking you shall receive with all these
companies that you're like, I'm going to leave and they'll
either fight for your business or you'll leave and you'll
get a better deal. You'll leave into a lot of money,
(10:26):
you know what. The other thing that someone was talking
to me about was like, you know when you actually
go through your bank statements and see all the subscriptions
that you sign up for YouTube this, and you know
they're all Netflix, garritt of it. Yeah, have you seen
the meme? Um no matter the dare night Apple is
going to appear with literally like about every two months,
(10:46):
I go through my subscriptions, have to do that and
cancel them, because that's that's still real money. It's real money.
And that's the thing. I mean, anyone who's in the
business world knows that, like subscription is where it's that
because we got you. Oh yeah, I got you cooked
in I have a subscription business. I just look at it.
I'm like, thank you. Yeah. I mean, because if anything
that's under about thirty dollars, even if they say they're
(11:08):
going to cancel, it's still gonna take them about two
months to remember to go in, log in to do it.
And those days when you call your bank and go,
I forgot about it, They're like no, yeah, yeah, they're
like okay, good, well starting today and then and then
you start to pay through the end of the month,
they're not gonna pro rate it. So all of those
things are ways that you can reduce your the money
that's going out, but also your fixed bills because if
(11:30):
you think about it, if your your utilities, you know,
all those things are about anywhere between five hundred and
thousand dollars a month. Right, if you can cut that
in half, that's five hundred times twelve is six thousand dollars,
And now you can qualify from more home that you
feel like. Because people their biggest challenge with me. They'll say,
I said, well, what do you want your payment to be?
And they'll say twelve hundred dollars and like we never
had twelve payments, which Jesus was a boy, what are
(11:53):
you talking about? Like you're paying two thousand dollars in rents?
Because they want on bank right dot com or Zillo
and of them, no, no, no, They told him the
payment was X for this house. But nobody read the
fine print. That's if you put down this if you
have a seven hundred credit score, and they didn't add
the taxes and insurance and most of these loans, it's
going to be included. So your taxes, your insurance, your
(12:15):
mortgage insurance, all of those things matter. So now if
I reduced what you already used to paying out, now
in your mind, I can actually afford more house like. Yeah,
it's it's like it's a mind game. You gotta like, yeah,
more house like. At least you're can enjoy that. Yes, absolutely,
that was awesome. I love your take on this, and
I love that you're giving us all the ins and
(12:36):
outs and the four one one and all the t
on real estate, home buying and everything else. However, we've
got to wrap it up for today, So Maya, can
you please tell everyone where they can find you on
social media? You can find me at Maya m A
j A s l Y. That's my personal brand website.
That is, you can find me there on Instagram, and
you have any extra questions, always shoot them over there.
(12:56):
So I ask my perfect money ms make sure you
follow a my on all her social media handles, and
make sure you tune in weekly for more tips and
tricks to buying your own homes and join us for
another money Versus Moves segment. Thank you so much for
tuning in Money Moves audience. If you want more or
a recap of this episode, please go to the bank
Greenwood dot com and check out the Money Moves podcast blog.
(13:22):
Money Moves is an I heart Radio podcast powered by
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Apple Podcasts, or wherever you get your podcasts from.
Hey, Money Movers, Welcome back to Money Moves, the daily
podcast determined to give you the keys to the Kingdom
of financial stability, wealth and abundance. All right, more from
Maya on the money Versus Move segment. Okay, my our
(00:22):
next question comes from Alexandra Garcia, who writes in does
an in house elevator add real estate value? Now? Okay,
but they're so cool when people have elevator? Had finished
the question, does an in house elevator add resale value
to the value of the house. We're building a single
family home. It has three floors. We're working with the
(00:43):
builder now for our dream house, and in their initial
plans they have stacked some of the closets on top
of each other so that all three floors combine and
have this optional elevator. What do you think now? It
sounds so doesn't He's the only builder in the area
(01:03):
that came up with the bright idea to put elevators.
Why do you think nobody else has elevators? I don't know,
but you know sometimes I saw Dinny the other day
and he had a scooter and he was going in
his house, and he went in the twenty million dollar house,
not your four hundred thousand, five hundred thousand dollar house,
even a million dollar homes. So so I guess for context,
(01:24):
let's think about it like this. An elevator, if this
were your forever home, yes, you are going to be
able to enjoy the benefits of that. But think about
it like this, when you go in and finish out
of basement right with the builder, you got all these
design ideas, you go to design center and pay ten
X would you pay if you're doing all of these
things yourself? Right? Me and my neighbor have lived next
(01:45):
door to each other for um nineteen years. He paid
a hundred thousand dollars more for the same unit because
he went in and tripped it out with the builder.
I finished my own basement. My basement looks way better
than this. Wow, for five thou dollars he paid a hundred.
He paid a hundred. So that elevator that was an
option from the builder for thirty dollars doesn't make any
(02:08):
sense for a three floor it's three floors, not six.
And you know what, I think, it's a different story.
If you know you said listen and physically challenged, there's
a real reason behind it. But apart from the fact
that you want your connecting closets, like yeah, and I
think this is the advice you're giving is so good
because people have to understand when you're building your home,
are you building up forever home, like you're going to
be there for decades, die and pass it on to
(02:30):
your your kids or something right, or is this something
that in a couple of years you're going to want
to resell and you never want to be the most
expensive house on the block, the most upgraded house in
the neighborhood always stays on the market the longest because again,
nobody remembers how we get here, right, because you wanted
this paint versus this paint, which was a huge difference
(02:51):
in price point. But when the person who's getting ready
to buy it walks in, they don't know the difference
between the and you're not they're saying and you're no,
They're they're saying in it. No, this paint was the
and unlike this with my client, good yeah, helps you
enjoyed it because we're not paying So these were like
this paint was painted by four people on the stools
that nobody Yeah, it's green paint, you know, with no additives. Right, Yeah,
(03:16):
we haven't had lead bags paint in a decades, so
we're okay here. So those things are things that you
have to think about when you get ready to resell,
because all of these upgrades are means you better enjoy
because you can't take them with you when you get
ready to resell. And your neighbors are your competition. So
if I yeah, that's your competition. So average days on
(03:38):
the market, average list price, all of those things matter.
Even when you have a pool, you want to do
this hundred pool, hope you lap, swim whatever, backstroke every
day so you can enjoy it because you're not going
to be able to get that full value of that
pool back. So these are things that you want. These
(03:58):
are the things that you want. That Viking stove, you
can it's gonna be very hard to get that out
and then put another stove in there when you're showing
the property. So that Viking stove and that other ten
thou dollar refrigerator, guess what, enjoy it because when I
buy it, I'm not paying you. Yeah, I'm not paying
you for that. Yeah. This is a question I've always wondered.
(04:20):
What is allowed to take with you when you sell
a house like, can I take the chandelier that I bought?
Can I take this as long as you replace it
with something else? Well, don't show it with that, though,
because then it becomes part of the negotiation. So what
makes your homes show beautifully? Guess what? You're better to
go put that builder grade in there, because if I
come in, you can put it in the listing description
(04:42):
and say all lights are being taken dab dada dada.
If my clients sees that there, they can't unsee that. Yeah,
So you don't get the benefits of showing what it's
gonna look like, but then you want to take it
with you. So be clear when you make these investments
that have something that you can put their and hope
it shows. Okay, because you have one point five million
(05:02):
dollar house, but you put a you know, four life
fixture from home Depot in the four A now yeah yeah, yeah,
So when I pay you for this house, then you
take that money and then you go buy you another one,
but this one stays with me. Got it, got it?
Got it? Okay, Maya, that was so awesome. I love
the way you're giving us all the t on this. Okay, Maya,
(05:23):
I want to shift topics. Here, d T I people here,
this dropped all over in conversation super casually. My d
T I, my d T I. What is d T I? Well,
first of all, I love it when people throw around
acronyms to people who are in an industry. I'm like,
do you even know what that means? Exactly? Do you
even know how to calculate it? So, your d T
I is your debt to income ratio, So you're debt
(05:43):
how much you owe that versus your income. So easiest formula.
Whenever you're trying to figure out how much home do
I qualify for? Always use whatever your income is. So
whatever your income down to the penny to the penny.
So odd jobs, no, no, no one, not you, not
your odd jobs. The need that is claimed on your
tax return, your a g I. So that a G I.
(06:04):
That's the number. So it's going to be forty two thousand,
five hundred and sixty seven dollars and eighty three cent.
They qualify you down to the penny, penny the penny.
So if someone says, oh I make forty two thousand,
and then I get their contract and it says forty
three thousand, two hundred. You know, I'm like, well I
need that, know, I need that one thousand, two hundred
dollars because over twelve months, that is another hundred dollars
(06:28):
a month on a d t I. That means you
can qualify for a little bit more. We need every
we need to squeeze every penny, right, So your d
t I is going to be your adjusted gross income.
So if your W two employee, if you're not taking
any right offs, whatever that amount is on that W two,
that's your income. That's your income divided by twelve. Multiply
it by point for one to be conservative. So point
(06:51):
four one is on a conventional loan, I let you
go to about point for three. But on fh A
you can go back in ratio dat I is high
schoo yeah, depending on the credit score. So the high
ending on your credit depending on your lender is going
to help you get into that detail. Well, they're gonna
go into that details. So your d t I is
going to be that number that you use. So for instance,
(07:13):
if it's fifty divided by twelve, multiplied by point four three,
whatever that number is, you're going to subtract all of
your bills that are on your credit report. So if
you've got a thirty dollar Capital one bill, you've got
a ten dollar not yourself, nothing that's not reported in
your credit So that's why it's forty one because I
know you have other things you have to pay for.
(07:34):
So all of those bills with the new house payment
is the maximum you can qualify for? Yeah, the maximum,
the maximum. So for instance, if you buy a City
of Atlanta versus unincorporated cop, that's a different payment because
you don't your property taxes are more expensive in City
of Atlanta than there are cops. So that's just really
(07:55):
a ballpark. It's going to give you an actual payment
amount that you qualify for and then they calculated from
there set. Okay, So now I think people have a
great understanding of what d T I is. What are
some tips and tricks to actually help bring that number
down up? Pay it down? Yeah? Yeah, yeah, you can't
manifest that again, I'm manifesting my house. That doesn't you
(08:18):
manifest money money they make more money. That's a whole
another topic. But you know, pay down the debt, because
I think this is the thing that people struggle with
the hardest. How do I pay down the debt. Is
it buying less Starbucks? Is it buying this? I mean
those are all common sent tips like spend less, But
how do you help people pay down their debt? People
don't want to spend less and tell me give you
(08:39):
some hacks that I use with my clients. So when
I look at their numbers, I always tell them to
send over their bank statements because I bring them on
an onboarding call. I can see where you're spending your money.
So if you like to eat out every day, that's fine,
but we've got to get this right burnt down. So
either you're going to have to work more or desire less.
Right like this is I mean, that's just facts, right,
it's very black and yeah yeah channel beds. Are you
(09:00):
five thou dollars, but you know three or four five
thousand dollars in your bank account. Guess what you better do?
Get to sell in that chanel bag because at the
top of the market, right, yeah, how you can clear
out your closet and really you can raise about five
to ten dollars and stuff that's sitting around your house
on a yard sale and use that money to really
pay down some significant debts for you and you won't
(09:21):
even feel it. You know what we love about Uber,
door Dash and all of these other people. You can
work very few hours and make a lot of money.
You can't use that money to qualify, but you can
use it to make money to pay that debt doubt. Oh,
I love it. I love it, and you know, I
feel like people just have to understand, like it's a science.
You can do all these things and just pay your debt,
do pay your hand down. You can pay your debt
(09:44):
and your bills that you have right now, your cell
phone bill, your cable bill, your light bill, your gas bill.
All of these things are deregulated. You can call each
one of them right now and reduce those bills to
almost half. Say you call the client retention department and
you say, you know what, I got a better deal
with Horizon and I'm an A T and T or
(10:05):
vice versa. They will allow you to move your same line,
have the same plan or a more robust plan for
for half the price, for half the price. And these
are great hacks because people think, like, honestly, the the
idea of like asking you shall receive with all these
companies that you're like, I'm going to leave and they'll
either fight for your business or you'll leave and you'll
get a better deal. You'll leave into a lot of money,
(10:26):
you know what. The other thing that someone was talking
to me about was like, you know when you actually
go through your bank statements and see all the subscriptions
that you sign up for YouTube this, and you know
they're all Netflix, garritt of it. Yeah, have you seen
the meme? Um no matter the dare night Apple is
going to appear with literally like about every two months,
(10:46):
I go through my subscriptions, have to do that and
cancel them, because that's that's still real money. It's real money.
And that's the thing. I mean, anyone who's in the
business world knows that, like subscription is where it's that
because we got you. Oh yeah, I got you cooked
in I have a subscription business. I just look at it.
I'm like, thank you. Yeah. I mean, because if anything
that's under about thirty dollars, even if they say they're
(11:08):
going to cancel, it's still gonna take them about two
months to remember to go in, log in to do it.
And those days when you call your bank and go,
I forgot about it, They're like no, yeah, yeah, they're
like okay, good, well starting today and then and then
you start to pay through the end of the month,
they're not gonna pro rate it. So all of those
things are ways that you can reduce your the money
that's going out, but also your fixed bills because if
(11:30):
you think about it, if your your utilities, you know,
all those things are about anywhere between five hundred and
thousand dollars a month. Right, if you can cut that
in half, that's five hundred times twelve is six thousand dollars,
And now you can qualify from more home that you
feel like. Because people their biggest challenge with me. They'll say,
I said, well, what do you want your payment to be?
And they'll say twelve hundred dollars and like we never
had twelve payments, which Jesus was a boy, what are
(11:53):
you talking about? Like you're paying two thousand dollars in rents?
Because they want on bank right dot com or Zillo
and of them, no, no, no, They told him the
payment was X for this house. But nobody read the
fine print. That's if you put down this if you
have a seven hundred credit score, and they didn't add
the taxes and insurance and most of these loans, it's
going to be included. So your taxes, your insurance, your
(12:15):
mortgage insurance, all of those things matter. So now if
I reduced what you already used to paying out, now
in your mind, I can actually afford more house like. Yeah,
it's it's like it's a mind game. You gotta like, yeah,
more house like. At least you're can enjoy that. Yes, absolutely,
that was awesome. I love your take on this, and
I love that you're giving us all the ins and
(12:36):
outs and the four one one and all the t
on real estate, home buying and everything else. However, we've
got to wrap it up for today, So Maya, can
you please tell everyone where they can find you on
social media? You can find me at Maya m A
j A s l Y. That's my personal brand website.
That is, you can find me there on Instagram, and
you have any extra questions, always shoot them over there.
(12:56):
So I ask my perfect money ms make sure you
follow a my on all her social media handles, and
make sure you tune in weekly for more tips and
tricks to buying your own homes and join us for
another money Versus Moves segment. Thank you so much for
tuning in Money Moves audience. If you want more or
a recap of this episode, please go to the bank
Greenwood dot com and check out the Money Moves podcast blog.
(13:22):
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