Debt to income question

[Donovan Swain]

Hi there! We're trying to come up with a game plan in regards to investing. So far we have 2 properties both purchased with a VA loan. One in NC that is rented out and one in Washington where currently live. At the moment we're looking into flipping in Arkansas but seem to keep running into an issue with our dti. We've been denied twice by two lenders with them saying our dti is too high. Yet our lender here in Washington approved us for $350k, she said that they aren't calculating the BAH and the rental income that we receive. At this point we're confused, does dti go based on state? Would changing over from a VA to a conventional help?