Dept to income ratio - how to lower - trust, llc, land trust??

[Matt Lux]

Hello everyone,

I'm seeking advice on how to lower my debt to income. We have a couple of investment properties with owner finance terms that include a pretty high monthly payment. I'm looking for a way to eliminate this issue when it comes to buying our personal house and keep it from affecting our ratio. Assuming the seller (note holder) is flexible on mobility, what are some known ways to remove these properties from future consideration by a creditor? 

Will a land trust or living trust work? Or are there other alternatives? 

Im open to any options and would like to hear about various methods.