Debt to Income Ratio too high!!! I need HELP.

[Carlos Handler]

Hi Everyone! My name is Carlos, I’m new to this website. I would always read the forums for information I needed an answer for. I’m on here because I need advice. My wife and I currently own 6 properties, I’ve been talking to my lender and I was told my debt to income ratio is too high. The situation I’m in right now is this. We are looking to purchase a duplex and we were going to do it with a hard money loan and after 6 months refinance out but my lender said I might not qualify. I was researching on a different thread on LendingOne and LoanGuys and I realized it’s not an easy process and not worth it. My wife and I have the 25% down payment for this duplex & we would also like to continue purchasing but not sure how we can fund this investment. This is where I need your help. Thank you in advance.