DTI Calculations PLEASE HELP

[Omar Jarrah]

I am having problems qualifying for mortgages and HELOCS. Everyone says my DTI is too high. I currently carry about 11k in mortgages and they are all covered with rents plus cash flow of about15%(this includes my primary residence, thanks house hacking), because of things all my properties have at least 40%+ equity. I have a great w2 job. When I calculate my DTI I am showing roughly 2 to 3% that is canceling out all my mortgages with rents and just using my w2. However, if I calculate the total rent plus w2 minus total mortgages I get a DTI of roughly 53%. How is DTI calculated when you have multiple properties how can I get access to my equity with affordable interest rates? How do BRRR when I cant even get more than 4 mortgages? I had the same issue buying my last property was hard to find anyone to refinance it into a mortgage. Yes, I claim all my rents and income on tax forms. Please help