Lending in DFW area

[Andrew Threet]

Hello everyone,

I'm currently house hacking in the DFW area and looking to acquire my next property by house hacking the next. When I got this 1st property I was working full time and was able to do a primary conventional loan and put 3% down. My plan was to get my next properties the same way after a year of living in them. However plans have changed because I am no longer working my full time job and now only work part time. I have tried to get another loan with the lender I used previously and tried including my rental income to offset my DTI, but they have not counted it and I have been unable to secure another loan.

My question is, does anyone know of any lenders (possibly some smaller banks or credit unions in the DFW area), that would loan on another primary conventional so I could put a low down payment, and they would count my current rental income towards my DTI? The reason being, I have enough capital to go 5% down on properties in my buy box, but not enough to go 20% down. Or if anyone else has some other suggestions on best ways to get financing for my next property, please feel free to suggest!