When you are in the refinancing stage of the BRRRRR, do you refinance from a local bank? What happens if they are concerned about DTI?

@Kameron Patterson you can refinance with a local bank. They will consider DTI but will also, usually, count some, if not all, of the rental income. If your DTI is still off, you can go the commercial route, where they loan based on the asset and your credit. The interest isnt as good but they aren't as concerned with your personal Income.