Partnering to fix DTI?

[Chris C.]

Has anyone looked into partnering to fix DTI to be able to qualify for a conventional mortgage? Yes, you could just use commercial (but then you pay a higher rate). Yes, you could just put 25% or more down (but then that deflates your Cash-on-cash, and with interests rates pretty low, might as well take advantage of them).

The problem I'm running into is currently having a house, looking to buy a house(or multifamily).  The lender has both my current mortgage (as it's not under contract to be rented, since im living there) and then the future mortgage counting against me.  I can't count the future rental income as i want it to be a primary (5% down), instead of an investment property (25%).