good credit, low DTI, still getting declined for personal loans

[Albert L.]

Hey folks, 

We closed on our first property 30 days ago using a conventional, 25% down 30 yr loan from a local bank and have been applying to get a personal loan to potential BRRRR or flip on another property with no success.

It's been a humbling experience but honestly a bit surprising too given my high credit scores (above 740's), low DTI (roughly 28%) and stable, high net income from W2's.

We've tried SoFi and Lightstream and are considering Wells Fargo next, but wanted to see if there's a bigger underlying issue we're missing here before continuing forward with our applications. 

Question - how does my recent mortgage play a factor in securing a personal loan? (if at all)? What am I missing here give the typical factors when strong credit score / low DTI are there?

Thanks for reading and helping a newbie out! 

-Albert