Rental Property Refinance

[Rod Curry]

I have a rental property that I’m looking to refinance. I reached out to a local credit union to help with the refinance and was told that they couldn’t do the new loan because of my dti being close to 50% and also they can not use any of my rental incomes (close to $60k yrly) because I haven’t been receiving it for 2 years. My personal income from my job is $113k, my 3 unit is $3200 monthly and my single family is $1600 monthly. Using my rental income would put my way under 50% but they refuse to use it. Is this 2 year seasoning standard across the board with all banks or is it just this bank?