Short term rental - tax, legal strategy.

[Kent Baltare]

Hey accountants or legal experts. I am trying to figure out something that is causing a barrier for growing my RE portfolio. Because of the fact that the income from my short term rentals require 2 years of returns before it's looked at as part of my DTI, while the loans tied to these places are taken to the calc right away. My DTI is causing me some challenges with growing.

My question:

Is there a way to have my income from my properties flow through an LLC without that LLC being on title to the underlying asset? (the home).

If I quitclaim the assets from my personal name to my LLC then my lenders will get upset which is the issue there. So I am trying to determine a way to keep the assets in my personal name but flow the income through an LLC, as a way to avoid this 2 year waiting period.

Sorry if this Q is a bit technical but thanks in advance for taking the time.