Lots of property equity: Debt to Income Ratios

[Anne Whalen]

Hi BP Bay Area community. New investor here. I am trying to figure out the best way to leverage lending to buy additional properties. I have 2 properties with lots of equity (estimated: 800K). I looked into conventional loan, HELOC and cashout refi with Wells Fargo and was told that my debt to income ratio is too high (hubs is W2, I am 1099). I read that each lender have different criterias? Is that true? Anyone have recommendations for Bay Area local lenders?