Texas Primary HELOC but high DTI?

[Brandon Beaudoin]

Happy Sunday, ya'll!

We are looking to do a HELOC on our primary residence in TX in order to tap into some of the equity. We understand we need to have no more than 80% CLTV based on TX lending laws so we're good there. We do get hung up on DTI as we had a purchased a couple vacation rentals this year. I'd rather not wait to file 2021 taxes which would clear us so anyone out there know of any options either locally in TX (North Dallas area) or nationally?

Thanks in advance!