How to get loan when DTI is high

[Rahul Bhatt]

HI Guys,

I live in SF bay area where house prices are really high so I have a bunch of mortgage debt on my credit report. My DTI come around 60%. my primary home my self and my wife are co applicant.

Now I am in the market for investment property(Buy and hold) but the problem is I can not get qualify for the loan even for the good cash flow property. I know there are ways like partnership and hard money but wanted to see if there is any way to do it by my self by putting more down or slightly higher interest rates?

Thanks for your help in advance.

Regards

Rahul