hard money and debt-to-income ratio questions

[Scott Goulet]

Hello BP, 

I have a question regarding hard money loans and the debt-to-income ratio. 

I want to use a hard money lender to purchase a medium-sized multi-family property for buy and hold purposes. After the rehab, I want to rent out the property and put conventional money on it, I assume the bank I get the new loan from would look at my debt to income ratio correct?

I make decent money ($70K per year) and I have two properties right now, my primary residence and a rental property. The banks tell me my debt to income ratio is maxed out.

How do I get around the debt-to-income ratio? I am trying to scale. I don't have a problem going to a hard money lender, but I am unsure about the refinance/ Debt-to-income ratio. 

Thanks! 

Scott G