Debt to income obstacle

[Jessica Semrad]

My husband and I have had 1 rental since 2019 and cash flows $450 we just bought another single family in April 2021 and cash flows $800. We're wanting to get another property but was just being told we would probably have a DTI too high. I just don't understand how. We have no student debt or outstanding loans except the rentals and our personal house. All cars are paid off and we both have very high credit scores. We were also told we can't claim the most recent rental as income for 2 years. It seem absurd that we won't be able to buy for 2 years.
What do I do to overcome this hurdle? We have the down payment. 

[Erika Butler]

I suggest going to a different bank. From what I've seen, it shouldn't 100% count towards your DTI since the tenant is paying the rent plus you should absolutely be able to classify the cash flow as income. Your other option, is to refinance the rentals you do have with a non-QM loan to get it out of your name. Then it will no longer go towards your DTI.