Even though they will use my current numbers after verifying the lease agreements, they calculate DTI by adding NOI to the denominator, and debt service of the rentals directly to the numerator, as opposed to taking NOI minus debt service and then adding that result to the debt or income. 

when banks choose to stop U have no recourse or power to convince them otherwise.time to find alternate banks.. most will have a limit. usually a dollar limit.. so its just dialing for dollars have a great package show your bonafide and have numerous lenders.back in my HML days I had 6 banks that I had lines of credit with in the 2 to 8 million dollar range each.but and those were max that those particular banks would do for me. each was different. we were the same they just had their own formulas they followed. these are small commercial banks right .. they are not forced to making CRA loans or anything like that.

I have read numerous posts on this forum about HARRISBURG.

Said person has it and won’t give me a copy—I’ve asked for it numerous times and I’ve tried speaking with them about the situation they’re in.

Unless you're in the over $150K price point (where there's more margin for error), you're going to have to execute a Long-distance BRRRR perfectly...it's not even that easy to do that locally (with lots of relationships). 

The problem was completely operator error on my part and website design on theirs.

This led me down a weird series of events as I didn't know exactly when I wanted to do, and although I made numerous mistakes with ventures that I am no longer pursuing, I learned a lot. 

If you guys are trying for BRRRR strategy you have more room for error since you will be buying and holding the property. 

Anyways, again, good luck and whatever your strategy.... keep it SIMPLE... don't OVERTHINK... and try to think out of the box (AirBnB, short term professional tenants, business credit cards (AMEX and CHASE ONLY)) ... in short a lot of options exist and numerous ways to make money without getting too crazy. 

Even a small error could affect how much you qualify for.I strongly feel here is that we need to work with a lender that will use the potential rental income from your property AND use the maximum DTI that Fannie allows.