brrrr refi help please

[Skyler Mckinney]

So I am looking for a house to brrrr and I decided to be responsible for once instead of just jumping into something and made sure that I would be able to refinance out of a deal before I jumped into some hard money I wouldn't be able to escape from. I called the two banks I have relationships with and they both told me that they take debt to income into consideration when doing the refinance. I own a primary residence and a couple cars that put my DTI at over 50% and would not be able to refinance. I have done some research and I'm just wondering if there's something I'm missing here. How am I supposed to refinance if I don't qualify for it? Is there a specific loan type I should be using or a specific bank I should be using. Please help as I was planning on starting my real estate investing career with a BRRRR so I would have money to fund my next deal. I'm not opposed to just flipping but it's not a good idea without an exit strategy.