Stuck -getting approved loan

[Tiffany Smith]

Hi Everyone,

I am running in to a problem with lending. I am not getting approved for a loan due to my debt to income ratio. I purchased a 2-unit last year that has appreciated tremendously.  I house hacked, as I live in one unit. I wanted to refinance and then apply for a loan to purchase a new multi-unit. Other issue is I have another property in my name fully paid for and my father pays the taxes and HOI on it. But, it is coming up as debt for me... Any suggestion on what I can do to get a loan approved?