How many will they give me??

[Luke Carl]

Just purchased my first "vacation home" at 10% which is a vacation rental. My wife has a SFH investment property in her name as well as a small auto loan. Permanent residence is in my name as well as an auto loan. My DTI is around 26% if they consider half of the permanent mortgage responsibility to be my wife's and 100% of the vacation rental mortgage to be mine. Where do I go from here to get more properties (down payments aside. I haven't figured that out yet either lol). Do I have to prove the vacation rental is making money on a W2? Also wanting to refi permanent residence. I'm thinking of going to a small local bank that lends their own money (I've heard this is best on the podcasts) and asking for a cash-out refi on permanent residence which will get me about half way to another down payment (I think). Will they work with me on the refi and the investment property loan knowing they're going to make money on both deals? Seems to me this is a win win for any lender. My concern is they'll tell me I have too much DTI until I can prove otherwise with W2s. Credit score is 740. Planning for the future never hurts right?? Thanks for your suggestions.