Jared:There are lots of different down payment structures depending on the type of property, type of loan, and creditworthiness of the buyer and from what I've seen 15% is not any kind of standard. 

What they are looking at is your credit worthiness, that new property could mean another loan and they want to make sure you can cover your debts, which yes, should be reflected in your debt to income ratio.

Larger properties may rely more on the property and it's income, but 1-4 family standard government-back mortgages will rely mostly on the creditworthiness of the individual(s) on the mortgage. 

This is not a debt to income or credit worthiness issue.  

The solution for this is setup your entity and pay yourself a salary, plus commission, plus bonus from your Flip profits and magically now you’ve made some credit worthy income.

My plan once my LLC. is finalized is to create Net 30 accounts to grow my business credit worthiness , moving on from there to gas cc, store cc , etc. 

The ways to access equity are: - Sell- LeverageSince you want to retain the properties, your best bet would be a Line of Credit (still available, subject to your creditworthiness AND the assets themselves) or a private equity second mortgage (basically a LOC through a private money partner).

Your credit-worthiness whatever they need to determine that2) How well the property services the debt. 

Putting it into an entity doesn't change your credit worthiness but it can mean you need a more expensive commercial loan.

Does anyone know the basic criteria banks look at in determining credit worthiness in lending for a rental property?