What my question is, is that I am getting awfully close to having too high of a debt to income ratio to be approved for another mortgage.

I would recommend creating a short business synopsis/plan of the property, the numbers, pictures, and comps and send it around to close family and friends that might be interested in lending or partnering.

What I can say, is its close.

Let's connect so I can show you my off market inventory!

I still wanted to be close to family and CA but didn't want to deal with some of what comes along w/ CA. 

Far from covering your negative cash flow but covers half of it and is a good indicator of future rent growth.2.5 years ago i purchased my first negative cash flow property (but for years i claimed I would buy a negative cash flow RE if my underwriting showed a return that met my criteria) and it was a lot more than $800/month negative with my underwriting (which was quite close to 50% rule).  

A hidden expense that is impacted by capital gains is Medicare payments, if you are close to 65 or older consider the below:The monthly amount you pay for Medicare Part B and D is based on your Modified Adjusted Gross Income (MAGI) from 2 years prior.

I'll send you a DM to connect.

I would like to buy my second duplex using DSCR loan which will require about $63k total to close.

Nothing accomplished except to add confusion, complication, and make transactions potentially more difficult to close.