Will a Subject-To property count towards DTI?

[Sam Hudacek]

I recently closed on a Sub-To deal, I took over the mortgage payments for the seller while the loan stayed in place in their name.

Going forward, if I were to buy another property with traditional financing. Can I use that Sub-To property's rental income towards my DTI? If not, can the lender use that loan payment against my DTI? Even though its not my loan, and im technically not obligated to pay it?

If i never even mentioned it to the lender, would they know? My lender told me they search for any deeds to my name, which they would find, but the mortgage is not associated with me whatsoever, would love to know, thanks!