Debt to income ratio problems

[Maron Faulkner]

Applied for a 5/5 ARM with 10% down. But I didn't qualify due to my debt-income ratio. I already own one SFR in Boise plus my primary residence here in Portland, Oregon. So if I could figure this out, I would own a second SFR.
What the lender DIDN’T do was take future rent on the new house into account at all. They also prorated the rent on my Boise house to account for repairs and depreciation, which brought that number down to around $300, although in reality the rent there more than covers the monthly mortgage payment.

And voilà, I don’t qualify! Any tips? I am a school teacher at a private Catholic high school here so not rich, lol. But these sorts of experiences are getting in the way of my millionaire real estate investor status!