Why are lenders stuck on DTI

[Clancy Catelli]

Do mortgage companies every look at anything past DTI when prequalifying a buyer? every where i go all they look at is my DTI, but my stratagies/investments/savings stratagies are not normal in the since that i dont have normal steady income. I like to grow my savings by using multiple routes. I have a real estate license and do that very very part time, basically whenever i know someone who wants to buy/sell. I like to buy toys/equiptment/boats ect for great deals and use them for a few months and sell them for good money. (For instance i just bought a Excavator for about $15k less then what i can sell it for, going to use it for some projects then sell it. )I flip houses and make money doing that but i like to live in them for a while to avoid running it like a business and paying self employment tax. Im frugal in the since that i save money very well. Im trying to get a loan to build a house instead of using my own money, but the banks are giving me a hard, even though i have 3 times what i want to borrow. is there a lender that works with people in my situation that doesnt want 7% 30 year fix? Im looking for 4.25% or so standard 30 year loan.