How to avoid high debt to income ratio

[Yule Ma]

Hi BP community, I am a new investor out of Wisconsin. I purchased two duplexes this year and currently under contract on a 6-unit commercial multifamily apartment. The two duplexes and my primary residence are in my personal name, and these are all leveraged with 30-yr fixed conventional mortgage. The upcoming apartment building is funding by a commercial loan through my LLC. Little did I know my personal debt to income ratio is over 450% (doesn't seem right to me since I cash flow pretty good). long story short... I found a good piece of land adjacent to a no-wake lake that my wife and I both think it has potential to build vacation rental on or potentially retired at. However, the lender told me due to my debt-to-income ratio, they might not be able to help me on that. I have shopped around in my area for better rate and term, but the lender I am connecting with has the best rate and term. Is there anything I can do to convince them? What can I do to mitigate my current high debt-to-income ratio?   

[Tristin Crum]

I am having a hard time understanding how your debt to income ratio is 450% ... Are you saying with the 6 unit it will be 450%? Is this because they won't count rents on the two duplexes towards your DTI? I feel like we need more information than is being provided