DTI Help When Doing Real Estate Full Time

[Freddy Hernandez]

Hey Everyone!

I have a question regarding DTI when investing full time. I am a few deals away from matching the salary at my job with real estate cash flow. Getting to this amount of cashflow was my goal to then quit my traditional job and focus on real estate investing full time. However, the lenders/credit unions that I have built rapport with the last few years require 43%-47% DTI to get through underwriting. With that said, my DTI would be in the mid 50s when I reach this point.

Any pointers out there besides refinancing current loans or increasing rents to get under the required DTI?

Thanks in advance!