Cant get financing with 3 cash flowing properties + a job. Why?

[Matt Nico]

Guys/Girls, I really need help....

I recently quit my job to do real estate full time. I'm about to have my RE license, and we also have an LLC with our property income flowing through it. So My wife makes $60,000+ at her job and we also have 3 cash flowing rentals. These rentals don't just cash flow a few hundred, they cash $1000+ Profit each and every month like clock work. Each one was house-hacked. Bought one, lived in it for a year, then bought the next one and then moved. Its been a year + a few weeks now so we are ready to get the 4th.

So I talk to my broker to get the standard pre-approval letter, and she cant give me a loan for anything, saying that our DTI is 128%. I've tried a dozen banks and they all say the same thing. What is happening is that because the last house we bought doesn't have 2 years worth of rental income, they have to count that house mortgage against us, but don't count any of the rent.

So in a nutshell, my 3 incredibly profitable cash flowing rental properties are killing me in getting another mortgage. This doesn't make sense to me, and I'm stuck. Without my income from my job, her income is not enough to be able to get us the 4th mortgage. On top of that, everyone is telling me I need 2 years of self employment income before that will count for purchasing power, and the creation of the LLC is trapping me to where lenders wont count rental income. Nobody seems to want to lend for a new business.

Is there anyone who can provide me with any sound advice on how to move forward? I could just sit on my hands and wait 6 months for my properties to pull in enough cash to put a down payment on a house, but I want to go go go.

So my question is as follows: How do I "Afford" to get my next mortgage? I want to HELOC my house which I can take out $50,000 to buy an investment property, but they require income verification for that too. A business needs 2 years of income to get a business loan. I really seem to be stuck between a rock and a hard place, and I'm determined to break out.

Help is appreciated,

Matt Nico