Getting an auto loan with high DTI...

[Lou_Rod87]

My girlfriend & I closed on our house last month. We bought a 2 family house and we get $2200 for the unit upstairs. Our mortgage payment is $4700. All the banks we applied to dont want to count the rental income therefore raising our DTI pretty high.

She makes $55K and I make $93K. My DTI is at about 61% with the mortgage and not counting any rental income. I dont have any debt besides the mortgage.

Is any bank going to approve me with a DTI that high or at least include the rental income ?

We dont like putting our personal debt in eachothers name so we're trying to avoid it if we can. It looks like that might be our only option.

[Anonymous]

You should be able to get an auto loan.  What banks have you applied to?  Have you tried the credit unions?  Also, are you applying under a joint income or single income?