Using STR Income to Qualify for Financing

[Michael Rendon]

Hello I was hoping to seek some guidance on a bit of a dilemma I am in, thank you for any advice! 

I purchased a turnkey STR 15 months ago and it has been cash flowing since month one, this was an investment mortgage. I also purchased a home 12 months ago that I have been turning into an STR and it will begin cash flowing this March, this was a primary residence mortgage so myself and my family have been living in it.

We were hoping to purchase another home this summer using a primary residence mortgage. I am struggling to find a way to do this though because my lender says without 24 months history they cannot recognize the income from my short term rentals. Because of this, my DTI is too high to reasonably take on another mortgage.