North East PA cash out refi

[Steven Ruff]

Hi guys, I just totally got jerked around by rocket mortgage on a cash out refi app. 4.75% rate, great right.

It’s an investment property that I’m short term renting (starting next month, renovations took longer than expected, almost 2 years).

Rocket only cared about debt to income ratio and refused to use my actual pay ( 40k higher for the year than base pay) I am scheduled to work on weekends which are premium pay but rocket considers it overtime/bonus and won’t include it in debt to income ratio. 

Is there any lenders that would cash out refi this based on projected rental income? Or a lender who would be more lenient with my income situation?

thanks

Steve