STR Rentals Negatively Impacting DTI Ratio

[Dalton Stanley]

I have several short term rentals with positive cash flow well over the mortgage payment. When I go to purchase a primary residence on a conventional loan, my DTI ratio is too high because the bank won't count the short-term rental income as "income" for purposes of the DTI Ratio. Are their banks that will count my STR income? Or is there a work around?

[Brett Deas]

I know of banks that will count it for you, try going local instead of national. In my experience, local banks work wonders and can keep it on their books. I would also look into some sort of DSCR option for more properties as they don't care about DTI.