Good Lender and Broker for Texas

[Victor Yum]

I have 3 houses, 1 primary and 2 rentals.  Lots of equity in the house ranges from 40% to 60% with 1 30 years fixed and 2 adjustable loans.  I am trying to refinance (cash out) one rental with adjustable rate.  Great credit over 800 but with all those mortgages, tax, insurance make it really close to 40 to 45% debt to income ratio.

Any suggestion or any lender will calculate the ratio differently?  Thanks in advance.