Question Regarding Qualifiable DTI

[Jacklin Jackson]

Help needed. I am working on securing my 4th investment property. I've recently completed an cash out refi on mine primary home. To date my only debts (in my name) are my properties, student loans and a few credit cards.

Credit:680

DTI: 46%

Please confirm if there are any conventional (low downpayment) lenders who will not factor my husband's debts into my application.

We live in California (state of community property) and I'm unsure if his debts will be included in my DTI. I'm already pushing it at 46%.

Does anyone know if I will be disqualified?

Does anyone know I'd I will be able to