VA Loan- they have a rule that they don't count GI Bill education pymnts which has us losing a chunk of our income and puts us under the 35% debt to income ratio.

:Try going up to 100 people on the street with a normal job and saying "I'm over a million dollars in debt and I couldn't be happier. 

Fannie Mae and Frddie's Macs (HA) is about 45% debt to income ratio.

My financial situation is as follows:  No debt except Personal Residence, Home Equity Line of Credit - 100k, 40k cash, 700+ Credit Score.  

I have one rental now that I’m considering doing a refi to get cash out and reduce the payment so that the house cash flows currently it is on a 15 year which kills my Debt To Income (DTI) and cash flow.

No debt except Primary Mortgage, HELOC - 100k available, 40k cash, 700+ Credit Score.  

And it reeks of over-lawyering.The entity is also prohibited from adding debt, even if it's not collateralized by the properties.

Keep it in the tenants name and they will be more likely to pay it, not knowing that debt may not follow them.With all that said, I just received two shut off notices for the rentals. 

is there any restriction to include rental income in the debt-to-income ratio based on LTV.

While I was speaking with my personal bank, they said they could offer better rates in the form of a traditional mortgage, but would cap my lending amount at a 43% debt to income ratio.My goal is to leverage my money as much as possible to maximize my buying power.