How to lower DTI ratio to get more financing

[Matt Todd]

I have two sf rentals, and my dti is around 40%. Is there something I can do to still own these properties, but not let it hurt my dti like I is?

[J. Martin]

You either have to reduce the numerator, or increase the denominator. Depending on whether or not the debt is all mortgage debt, or other debt..

Transfer whatever debt you can to an entity, then guarantee the debt yourself if necessary. Personal credit card debt? Transfer it to another entity. Private notes? Try to re-write to company with you as guarantor.. Mortgage debt? You can try..

Or you can pay down debt. I assume you don't have the ability to increase income..