Options when DTI is too high

[Micheal Briscoe]

To keep the story short, employment changed via a corporate buyout.  Pay structure and scale changed.  Conventional underwriting is having a hard time due to the extreme amounts of overtime (168 hrs/week). 

Just looking to see what’s out there as information on options outside of conventional lending is a bit hard to come by. 
Current strategy is buy & hold with an emphasis on cashflow. I make a decent amount at W-2 so 25% down and good cashflow hasn't been a problem. Currently have 2 SFR's at 5.25% (job changed 5 days before refi / blew it up). Closing on another I've had under contract with a ‘construction' loan, 4.5% with 20 year ARM. Term kills the initial cashflow.

Had a quote on private money at 12%. Bout fell out of my chair. 

Last I looked at rental specific lenders, they were 7-8% on the low end. 

Any other options or paths I’m not looking at?  Partnering is an option and I’m tempted to go ahead and try to jump to MF if I’m going to be utilizing commercial style financing anyways. 

[Jeff Greenberg]

@Micheal Briscoe I say that you go into the light and go to commercial MF. First property I bought was a 20 unit.