How to get around with 75% rental income rule?

[Wenyu Zhang]

I have three rental properties and am looking to purchase a fourth one. I have been using conventional mortgage for my properties. The three rentals all have okay cash flow which is at least positive. However, as many of you know, most lenders only use 75% of the rental income so from their perspective my cash flow would be actually negative. Also, I'm taking a huge pay cut for my new job. As a result, my DTI ratio is now greatly reduced due to this calculation method and my lower income. With that being said, I'm seeking for advice and tricks on gettting around with this 75% rule to allow me purchase my next property.

If anyone know lenders that are flexible with this 75% rule around Detroit area, please let me know. Thanks.