FHA- back end DTI 55% - HELP!!

[johnsj21]

Anyone know of any FHA lenders that will allow a 55% back end?  We can't use husbands income to qualify due to self-employment under 2 years.  Our builders lender maxes out at 50% on FHA.

Mortgage gurus...do you know of lenders going to 55%???

[xazilizax]

Do you have accounts you could afford to pay down?

[johnsj21]

I should have prefaced that we will be renting our existing home out and that is with ZERO revolving debt.  We have auto loans but we cannot pay down to less than 9 months of payments.  So we will be carrying two mortgages.

Our problem is that they are currently averaging my income from 2009, 2010 & this year thus far.  2009 income is weighing my average down.  Once 2011 is through then I will be able to show a higher average income. 

I think I will have to wait it out 2 months.

[mwmiller82]

Quicken loans does 55% back end.

[Gigi77]

so does Calibur funding.. must have good credit.