Debt to Income Ratio Maxed Out!

[Daniel Gibson]

My business has approximately 6 loans through our local small bank and they continuously talk about how they are investor friendly. However, they keep mentioning to us that our debt to income ratio is nearing their "1.2 limit". It sounds like once it goes below this 1.2 limit, they will not lend to us anymore even though they are keeping these loans as portfolio loans in house.

My question is....Is this bank really investor friendly? I believe the 1.2 rule they use is their bank rule. I know all banks will want personal financials before lending but are there better banks we could be using that strictly look at the cash flow and past performance of our rental properties?

Thanks in advance for the feedback!

Dan