High DTI can a HELOC take out several other loans?

[David C.]

If you have a high debt to income, like 55%, can you use a HELOC to take out several of your loans (hard money loan, personal unsecured term loan, and student loan that wasn't even used for construction of course but is still contributing to DTI) to reduce the DTI? Can you do the same for a mortgage? I haven't even started building yet but I am looking at the exit and trying to see how I can refinance a new construction and wipe out my various sources of funding.

Separately, do banks ever do higher than 45% debt to income? LTV would not be an issue. Thanks.