Refi apt unit paid cash for but DTI to high to qualify w/ bank

[Juan Ayala]

I am planning on paying all cash for property and looking towards my exit strategy a year or so from now. But i have too many mortgages under my name driving my DTI too high. What type of lenders should i be looking for? Any recommendations on lenders in Houston that would refi my apartment unit and not penalize me for having a high DTI?

[Tony Castronovo]

Usually lenders will give you credit (e.g. 75%) on the income toward your DTI. Are you factoring that into your calculations?