Creative ways to lower your DTI (LTV Help!)

[Kiran Rouzie]

Hello Bigger Pockets Community! I would love some suggestions on creative ways to lower your DTI? I've been turned down for a purchase because my DTI is too high. They're holding my entire mortgage against me, even with a second person on the loan and title. I can't have this person go in on the new property with me. One thought I had was drawing up a rental agreement for the house to show that I'm only half responsible for the mortgage or that I'm generating rental income for it to try and offset it. They won't accept my inclining self employment income as a P&L this year. They won't count my self employment income from the past two years because of my deductions. Obviously this next year I will show more on my returns...lesson learned, but right now, that doesn't help me. Any advice would be greatly appreciated. I'm in an urgent situation.