Debt to Income ProblemI am self employed with credit score 700-710.Home is worth $400-425K with 250K mortgage balance.Rental property worth $300K with no mortgage (free and clear).Mortgage insurance and tax payments total $1560 mo.No car payments.Minimum on 6-7K in cc's is @150 / mo.2010 and 2011 showed schedule C gross of 65K and 68K with AGI of 27.5 and 18.4 respectively. In 2012 the rental unit comes in and shows @20K in rental income but less business income (net loss). 2013 is off to a good start.I want to rent my home and purchase a smaller place nearby. Would like to access $150K cash to pay cc's and purchase new small home / condo. I estimate $30K annual income from renting my home. Is there any way to structure this to make it happen without going to a hard money lender? If not, is there anyway I could do a traditional refi to get my rates down?TIA June 04 2013 - Philadelphia00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.