How do I buy another investment property with my circumstance

[Jayden Hamilton]

Hello, so currently, I own one single-family home that's completely paid off; I would say it's worth 150-160k market value. I also own a duplex that I purchased for 144,000, and I put 29k down on the home. I owe the bank 115k for the loan on the duplex. Currently, I have 100k liquid cash in my bank that is just sitting there. I'm receiving income from all these properties. I want to sell my single-family home and purchase an apartment complex with the money I make from the sale. Still, lenders keep saying my "debt to income ratio is too high." I don't understand this because some millionaires and billionaires still get loans. Their debt-to-income ratios have to be way higher than mine! How do I get past this roadblock? I want to do what's most advantageous and make the most money and take on the least risk. Any suggestions? I really want to get into owning multifamily properties such as an apartment complex, I just don't know how to get my debt to income ratio down to get lenders to lend money to me. In my mind, I'm not a big risk at all. I own a home free and clear and owe 115k on a duplex, I have 100k liquid cash in my bank... This is very mind-boggling for me.