How to locate 50% DTI lenders

[Chris May]

I've got a problem that I'm sure many other people have faced, but I'm running into dead ends left and right.

We owner occupy a duplex in a very high cost area, and are trying to move to North Carolina. We'd like to buy a SFR or duplex to owner occupy there.

The issue is that since we can only use 75% of the rents on our current duplex towards income, our DTI looks artificially high. We're baaarely under 50% DTI right now. I've heard there are 50% DTI loans out there, but I can't find anyone who offers them.

Any thoughts on how to search for these loan products? I'm not interested in balloon loans but could entertain a 7/1 ARM or something similar. An 80/10/10 situation world be ideal, but I haven't seen those for high DTI borrowers.