I'm a bus driver and I really don't have time to get another job.

They tell me what they need for a group of individuals ie. no stairs or near a bus line... then I find the house.

To my disappointment I was denied a loan of $170,000 from quicken due to high debt to income ratio ( I was over excited and failed to do my due diligence) I didn't think to add in the new payment into my calculations.....oops, But with that nice lesson learned I now know what needs to be done in order to get either 50-80k on a heloc. so my question is when the lender calculates the dti on the heloc do they use the interest only payment or principle & interest.

@Jeremy Cohen,Double close ( A -> B -> C ) is illegal in most areas these days, thanks to it being so badly abused by short-sale flippers (I won't name names).You will probably need to to do two closings back-to-back: A -> B, B-> C.

A few days later I hear that the Senior Underwriter has my file and is "asking for more information" 4 letters including 2 more from my local union in Miami later and she denied my loan.

I can make arrangements to get to a property that is not on a bus line but I want to make sure it's worth the trouble if I do.

You want to deny someone for too many beer bong selfies?

Meaning that a landlord who may have a no-pet policy cannot deny someone with an emotional support dog tenancy as the ESA is not considered a 'pet'. 

I am 1 week away from closing and I get a call saying that I am denied because I am 9 months away from getting out of the army.

However, this is a situation when they deny that their partner has moved in but it appears like they live in the apartment building.This may happen because of bad credit or because of criminal convictions that they do not want to disclose.