Every lender is different but I think you could dod 70% loan to value with 1.3 ration

It's where you rationalize what you bought was a good thing because you're making progress...even though that progress doesn't lead anywhere.Your goal should be to focus on a rally, as in adding up runs in sequence...one (or more) after another.

You need to make rational/logical decisions, not emotional. 

There are a few other items to consider (base-year provisions, tenancy pro-rations) but the above covers the basics that will get you going. 

Next tip and advice, don't call me or my team because we only deal with rational adults and i don't have the time, patience or will to put up with those who act in such a manner as you did here.

Trying to take money out yearly in some form of loan or LOC against equity is not rational.

However, they still look into your DTL ration because inevitably, you are the person behind the loans, not just the rent roll, potential, etc. 

Working large deals rationalizes for the longer time frame of payment.  

There is absolutely nothing you can do that will make her see the light or behave rationally.

The way you feel about a property that you both live in and own is not always rational from a financial perspective and often times impacts the returns for comfort/wants.