Cash out refinance with boarder income from adu

[Jamie Lafollette]

Looking to do a cash out refinance. Property value 950,000+ current loan balance 452,000 . Looking to pull out around 100k for remodel expenses. 

Unfortunately my dti ratio is to high unless I include my Adu income. 

2017 income was about 68k

2018 income was about 70k+28k in income from my Adu (will be on my 2018 taxes) 

750 credit score and no other debt. Husband is a veteran. 

Looking for recommendations on a portfolio lender or credit union that might consider this "boarder income"