unable to get a hard money loan

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I'm in the Houston trying to get pre-approved for a hard money loan. My plan is to buy and hold. My problem is my debt-to-income problem. I had too many business related write-offs on my taxes. I really don't want to go to private money I want to use a hard money lender. I guess my question is does the DTI varies from lender to lender? I already had my taxes done for 2013 is there anything I can do at this point? I'm tried of sitting on the sidelines I'm ready to jump in!