two people on title but one applying for mortgage

[Sarkis Vartanian]

Hi,

My brother and I are purchasing a rental investment property.  Can both of us be on title as owners but only 1 of us apply for the mortgage?  Either one of us can individually qualify for the mortgage, but we don't want to both be on the loan, because I think that will limit our future mortgages...

In other words, I believe each individual can qualify for an X amount of traditional loans, but if we do a loan together on this deal, it will count as each of us having a loan.... thus limiting us in the future?  Is my thought process correct?

Along those same lines, if one of us gets the mortgage but both of us are on title, will the fact that both of us on title create future loan issues....  Just because we are both on title, will it effect each person's Debt to Income ratio for future loans

Thanks