Why doesn’t short term rental income count as income in DTI ratio

[Kyle Seidel]

I want to get a short term vaca rental in Nashville but I just ran into a roadblock. My lender said that they can't qualify short term rental income as income since it's not guaranteed. It seems silly to me that they assume the property will get $0 income in their Debt to Income (DTI) ratio. This pushes my DTI into the 50's- well above their 45% cutoff. Is this just this lender or is that gov regulations?

Does anyone know of any lenders in Nashville who accept short term rental income as income? Even taking 75% of a very conservative number would be helpful to meet their DTI requirement. Additionally, if you know of any ways to get around this somehow I'd be very grateful if you'd let me know, thanks!