Financing my second property

[Willy Vasquez morales]

how to finance my second home?

I live in nh, i have a score above 700 with 100% on time payment and 11 years old credit. As you can see I have been very responsible. 

I dont have the 20-25 % for down payment. And my debt to income ratio is above 45. I make $66,000 as a software engineer, I graduated 4 years ago. I own a two faminly which I got 3 months ago. It pays itself. 

I want to get another house but the bank says I don't qualify because of the debt to income ratio.

How can I find a lender?

Please I ask me if you have any questions.

Will