DTI: How do different loans effect the debt side of DTI

[Gregory Schwartz]

I have different loans and I want to know how they will affect my DTI

1. Seller Financed: I don't see any verbiage in the loan document that made me think this is personally guaranteed. Do the taxes and insurance on this property count against my DTI (No escrow account required)

2. Personal loan secured by the property: Same deal, no verbiage that I see making it appear that this is personally guaranteed

3. Commercial loan on a property owned in an LLC that I have 50/50 ownership in, that loan is personally guaranteed. Will the bank count all of the debt against my income, half? None?

[Gregory Schwartz]

Thanks, @Derek Brickley 

- the houses that we used seller finance and private money are in my personal name. 

- The commercial property is in an LLC, we get K-1s from the LLCs taxes every year showing that the LLC pays for the expense and is cashflow positive; except for the deprecation we take :)

I plan on buying a new primary residence in the next 1-2 years and want to know if I need to have the commercial loan adjusted so that its no longer personally guaranteed. This of course also affects my partners DTI