Loan frustration in NYC...IS this the END for me?

[Marci Stein]

my situation-own 3 investment homes upstate NY ,free and clear (total value =190,000).

Credit score 780

$ 140,000 in stocks

NO DEBT... 

BUT:  gross income   $42,000. because of this,  

 I CAnnot get a loan of any kind-have been trying for a YEAR !! 

I do not meet the Dodd-frank ratio ( 40 % ratio loan to income?).

My only goal is to own more homes , but I fear I may be at the end of the road, 

unless i pay cash  get hard money, both of which won't make me rich.

I imagine the only way to get a loan is to own your primary residence ,which I do not,  or have a higher income. Any suggestions ?  What would you do?

I want to keep going, but this is an obstacle I don't see a way through.

Thank you.