Home Equity Loan with boarder income or high DTI , Great Credit

[Jamie Lafollette]

Just got some very disappointing news that our VA refinance will not go through because my husband (married last year) has not been on the title for 6 months .

We are looking for 100k to do some remodeling (new roof , new siding, new windows) 

Property just appraised at 975,000

we owe 453,000

Our problem is we have an ADU on the property ( without a separate address ) that lenders are considering that income boarder rent despite its on our tax return and we have a year lease.

Current income is 72340 a year plus the 27600 rental income . 

Credit scores are 750 and 780 

Any suggestions on a lender that might consider that boarder income for an equity loan ? Or would accept a high DTI ratio

Thank you !