What now?

[Thomas Loy]

So, I am at a loss of what my next step should be. I currently own three propertues. One being my personal home, one is the house my wife had bought before I met her (which we now have rented out), and the other is a sfr. I took the equity out of our personal home to purchase the rental. We got it all fixed up and we are making a very good return on it. We're not making hardly any return on the one my wife previously owned. Our newest rental (the one bought with the equity) has no mortgage attached to it. So all that equity is there. I would like to take the equity from that and purchase another one. Problem is, I bought it in my wife's name. She doesn't have the income history the bank is looking for and her debt to income is too high due to using credid for repairs. I have solid job history but my debt to income ratio is even worse than hers since I too used credit through Lowe's for repairs. They also want a crazy amount of cash reserves set aside. What's my next step here? I can elaborate more if you questions. 

Thanks!