Counting Rental income for new Mortgage

[Reggie Rearden]

I have a question regarding mortgages for personal property. I just heard from our lender that we have plenty of income to cover the new mortgage we want BUT they can not make it work on paper. I work a W2 job, own a couple of small businesses, have several properties, and my wife is self employed as a single member LLC. They can only use my W2 income because me and my wife do not takes draws from any of our other incomes, which are all LLC's. This is the first time we've tried to get a mortgage for our personal name since we've owned businesses and real estate. Any suggestions? This is just the 1st lender we've tried. Do all lenders have the same criteria? Our credit scores are 775-810, so that rules out any credit issues. The lender also told me that even though we have strong rental history showing on our income taxes, she can not count "ordinary income" to qualify for a mortgage.