Lenders who count income from house hacking in DTI?

[Charles Moore]

Can anyone recommend lenders who count income from house hacking in the their DTI calculations for refinancing the primary residence it happens in?

I’ve been successfully house hacking for the past year, renting out my three spare bedrooms and occupying the fourth, allowing me to live for free since the rent covers my mortgage and utilities. And I used to landlord other properties since 2013.

Now I need to look at refinancing due to divorce. But in talking to lenders, I learned they don't accept rent from spare rooms because it's in my primary residence, the reasoning behind which I don't understanding since that's an extra $2650/month in addition to my W-2 income. And with anticipated child support added in, just counting my W-2 income alone raises my DTI too high to qualify with all my debts total.

So does anyone know of any lenders who would count that spare bedroom income in my DTI for refinancing?