Brrrr dti issue

[Jonathan Wooten]

Ok. Example time

I buy first house to house hack with traditional mortgage. Cool.

I buy 2nd house with hard money and refinance with a bank. My problem is when I would go to get it refinanced, my dti would be rediculous because the rent doesn't count as income for 2 years. 

I make 30k a year. Finance a 70k house. Put friends in to pay rent. Lets say 500 debt to my 2500 income which is 20% but school loans make it more like 950 (school credit cards new mortgage) debt to 2500 income is now almost 40% I can't add in anorthern 70k refinanced home because that would send me over the 43% dti. and since the rent from 2nd house doesn't count for 2 years, how does one beat the dti???