DTI vs Credit score

[Pete Storseth]

Credit score 710. DTI high. Income low.

Hey guys, here's my question. I'm trying to lower my DTI by paying off one of my loans early and another credit card. But I still have two cards left I cant pay off yet. I will be working towards increasing my income and paying them off in coming months, but may be able to time everything right to get a loan sooner than later. I'm not working with conventional banks, I'm working with a smaller chain that I can still get a 0% down payment and low interest rates.

I want to know if my credit will take too much of a hit to open a new 0%APR card and use the free introductory transfer to combine the two cards onto the new one, effectively reducing the two payments a month to one, leaving me with 3 zero balances, lowering DTI. Then, two months later applying for the loan.

Problem, if course, is that would be two hard inquiries in two months. Is this a bad idea? Is it wiser to just see if I can get one the cc companies to waive the transfer fee and NOT open a new account? Problem with that is that the 0%APR on them expires later this year.