BRRRR Second Property - not getting financing

[Brooke Spaulding]

Hello, I've been around Bigger Pockets for quite awhile and taking in a lot of the content via podcasts and read some of the books including BRRRR.

Currently my husband and I are renting an apartment outside Boston (too expensive a market for us). We currently own a small home we are using as a vacation rental in Vermont. This is working really well for us and we've had it rented after rehabbing it almost a year. We were ready to move onto house #2 we would look to rehab ourselves again. We are getting our house appraised for a cash out refinance where we expect to get about $30,000 which is plenty for the next down-payment. All this was fine and we have a preapproval letter for more than we want to borrow. So we got house #2 under contract and now our lender isn't able to make it work. I've reached out to another lender to try different loan types. From all my research and working the numbers figuring debt to income and everything it all works. But the income from our VR apparently can't be counted for a least one whole year on taxes or up to 2 years proving stable income. Also one of the lenders also said we have to have 6 months reserves in the bank for the rental on top of whats required for the new property. This was after this lender approving us and seeing all of our financials. 

We have a strong plan for how we are trying to move forward with achieving financial freedom but if this is true I'm wondering how others make the BRRRR strategy work or ever move onto house #2 if they can't afford to house hack a primary? Is there any other way? Thought I understand all of this and had our ducks in a row but this is throwing me for a huge curveball.

Thanks!