Financing

[Michael Cornell]

I have a bankruptcy that is discharged for 3 years now. I called a bunch of portfolio lenders and they say its a deal killer even though they don't look at credit score they evaluate the deal. My intentions are to buy multi-unit forclosures or short sales, fix and rent them. What other options do I have for financing or how can I get around this bankruptcy? 

They also say they don't use a DTI the use a dent to service ratio. What in the heck is that? what is a good ratio to get financed on multiple properties.