Debt to Income Ratio and Property Sale Income for HELOC

[Roddy Knowles]

I'm in the process of finalizing a HELOC on my primary home. According to the lender, my DTI, not LTV is what is causing the loan amount to be a bit under what I'm looking for. They'll go up to 90% LTV but I'm capping out at lower than what that amount will be because the highest DTI they'll do is 50%. I'm in the process of getting clarity from them on two points, which I'd love to have input from the BP crew as to if they are looking at things appropriately/fairly:

1) Rental Income: I believe I'm getting 75% credit for rental income from 3 properties seasoned 4+ years.  I've read some stuff that says 75% is standard and others saying some lenders go up to 100% for experienced landlords/properties.

2) Property Sale Income: I sold 3 properties last year: 2 flips and one long term hold.  I'm not being given credit for any of that income as it is deemed non-repeatable or one time income.  I understand that logic, though I could also argue that some % of this would be logical to count for someone in the business of buying and selling real estate (though this is not my full time job).

Would love any thoughts about this.  Thanks!