Is portfolio loan the answer?

[Chad Keilen]

Hey y'all, trying to access equity from several SF properties I have, but running into walls in every direction. The 3 properties, all occupied and cashflowing, that I would like to use, all in/near atlanta ga:

1

Value $289k

Owed $139k

2

Value $197k

Owed $99k

3

Value $115k

Owed $0

I no longer have a w2 job, and have spent the last 3 years working on a startup that is still not earning much to speak of (the no longer in the red).

My wife has a W2, but even with her considered, our debt to income ratio is already beyond what lenders I have spoken to will consider.

How can I access my equity? Is portfolio the solution and if so, any recommendations?