Help! Need lender that will qualify STR income without 2 consecutive years

[Chris Roberts]

I have an STR that shows income on my tax returns for 2022 but obviously not 2023. Are there any specific lenders that will use 1+ years of income so the mortgage on the STR isn't killing my DTI ratio?

The banks I've called just give a generic response of "go online and apply". 

I'm trying to get a HELOC but most banks are requiring at least two years of income on tax returns for the STR, otherwise my DTI ratio is too high. However, my DTI ratio is fine as long as the banks are counting the STR income.