How to get construction loan with high DTI?

[Wilson Vanhook]

I have some really exciting ideas I'd like to make come to fruition for a newly built luxury honeymoon cabin in Broken Bow, OK. I know the market very well as I already own a couple of cabins in Broken Bow, and I own a property management company here as well managing 30+ cabins. If I can get from point A (drawing up plans) to point B (finishing the build and renting the cabin as an STR) I know that this thing will be a cash producing monster with a fantastic ROI. I attached photos of some unique ideas I came across for indoor hot tubs which would truly set this place apart from any and all competition. This is just one of the many ideas I'd love to implement in this new build.

I've talked to a fantastic builder in the area and the build from start to finish with the lot should cost about $450-500k. The appraisal I expect to come in at about $650k when it's all said and done meaning the refi at the end of this should result in very little out of pocket in total.

The issue for me is the lending side of this deal. My DTI is shot from my other investment properties. I know there are some DSCR type of construction loans that don't factor in DTI. However, is sounds like those either require previous build experience, or else no experience but they'll only fund about 65% of the construction costs. Basically I need something that's the best of both worlds since I have 0 build experience but also don't have the huge up front down payment of over $150k for the build. What are my options? There are some construction loans that will fund up to 90% of the build costs with qualifying income but again my debt is just so high because of these other mortgage payments on my credit.

Somebody help give me the answer I'm looking for so I can create this unique stay!