How do appreciation investors satisfy Debt Coverage Ratio

[Alexander Monnin]

So I was wondering how appreciation investors satisfy the debt coverage ratio?  I keep seeing that banks require a 1.2-1.3 ratio.  I know that a lot of appreciation plays barely break even on cashflow or are sometimes even negative at first.  Obviously this would not satisfy the ratio requirement.  So are there ways to work around this?  Do I just have to find a small investor friendly bank?  Will banks overlook this if I have a high enough income?  Also, I know that you could just make a bigger down payment but that would be less than ideal for my situation.