I need to see if anyone has any insight into this. My DTI score is at 48% high for a couple of reasons.

1.Husband has hourly job with required overtime and bonuses.  Only base is looked at which leaves out (rounded numbers) $11,000 as of 7/17/15 and at Year end will end up being about double this.  For 2013, this would be $15,000 and 2014 was $21,000.  This is going off of Gross pay on his check stubs.  Looking at the W-2 for 2014 his pretax deductions were $9307, so understates his gross pay.  What do the underwriters look at?

2.  $200 credit card minimums - pay credit card off except for cards with 0% interest

3. $676 -  2 car payments, $305 and $371

4. $100 Heloc loan

5. $580 rental loss from last year carried forward as a payment

6. $1700 new property - calculated using conservative numbers, real numbers would make it $1469 based on a 30 year loan.

DTI when he ran the numbers came back at 48% , with my new loan amount it would be 46%

2 questions

1. If I find an investment loan instead of a second home, is DTI still looked at? Is rental income of the new loan allowed to be added as income? What kind of down payment is required?

2. To change my expenses, I could pay the $371 car off with either a credit card, payoff is $13,000 credit card limit is $20,000, see if the credit card company will give me 12+ months no interest and just raise the minimum a little. Or pay it off from an advance on the HELOC which would then make the interest payment go from $100 to around $150 per month making this a $38,000 balance out of possible $50,000 that can be drawn. Would this help my overall credit rating and solve my DTI problem? Credit ratings now are around 780. Not sure if this is sensible to do. If we do this, how long is would it take to show the reflection on the credit report?

Have a house for sale that we will walk away from the closing table with about $52,000, will set $6,500 back for taxes and the remainder can be down payment on the vacation house and/or pay the car balance off, depends on the required down payment on the vacation rental.

Any advice would be nice

Thanks, Gayla