Spouse DTI and Primary Residence

[Brian Larson]

I did some searched and did not find this particular answer. I was wondering how others have gotten around this particular problem.

I am nearing 10 loans under my name. Wife has 0 as we strategically did not put her on any and she was stay at home mom for a few years so no benefit to having her on.

Now I want to get going with her buying props under her name (another set of 10 as many on these forums have talked about).

All good so far, yes? Well no. She is a teacher and thus doesn't make huge money. Let's just call it $3k/month for illustrative purposes. Because she is on title of our primary residence (not loan, title/taxes) my lender is saying the underwriter will count our primary mortgage against her DTI... seriously.

Well, I live in SoCal so my mortgage (which I cover with MY salary) is well above $2500 and thus kills DTI.

Has anyone been able to creatively get around this? It seems like my wife will not be able to qualify for a loan on her own due to primary residence even though she has 800 credit scores, income, zero debts in her name (car and all houses in mine).

Thoughts? Until yesterday I was feeling pretty good at what we have done... now feeling like seller financing, straight cash and portfolio are the only options.

Thanks

b