DTI issues due to owning a rental

[Michael Sockwell]

Currently trying to close on a loan and am running into DTI issues. I'm sure there has to be ways around this?

Initially told everything is great until we got to underwriting.

It appears we have to reflect the entire portion of the rental against our debt since we had considerable write offs last years ( new roof, watwr heater etc)

Maybe im doing my taxes wrong?

We have a ton equity in our current home and we were doing a home equity loan but running into DTI issues

I’m sure this is an issue for everyone with a rental?

I’m sure their is a lot I missed any help would be appreciated