Debt/income ratio problem with investment financing
I'm having this problem when looking for financing to purchase a 2nd home as investment. This will not be a long-term buy-hold and I only need financing for 2-3 years before selling. The cash on hand is enough for 20~25% down payment and my expected monthly income will be more than enough to cover PITI.
The trouble is that a significant percentage (nearly 50%) of this income will be coming from future sales of RSU (restricted stock units). The RSUs are vested on a regular monthly schedule and I already have two years of tax return showing them, but all the conventional lenders I've talked to would not include value of stocks in debt/income ratio calculation unless they are already vested today.