GOT PROPERTY THAT I AM TRYING TO BRRRR I cant see to refinance

[M Boyd]

Ok this is what I have suggestion welcome I have a property in Memphis it's a rental rehabbed 2017 property jas a potential worth of 118,000 and I am trying to refinance to get cash out but I am having issues every mortgage loan place I go to want to pull my credit which is good no problems there but they looking at my dti instead of asset here are the numbers I owe around 56000@ 3.62% and my piti is 529 per month rental income 1175.00 per month tenant are great going on YEAR 2, renewing lease agreement 1 of July. THE COMPANY WAS OFFERING ME 87500 @ ABOUT 5% 30YR NOTE BUT INSTEAD OF LOOKING AT ASSET AND IT VALUE THEY ARE LOOKING AT MY DITI WHAT CAN I DO