Qualifying for Conv Loan After 1st/2nd Deal

[Andy Mai]

I have two rental properties under my personal name and the mortgage payments has my DTI at max percentage.

My question is in order to use my rental income to offset some of the monthly mortgage payment debt and improve my DTI,

do I need to show 2 years of rental income and take no deductions on my tax returns, paying a fat tax payment. Or can I take deductions and zero out the rental income, pay no taxes. Can I still use the rental income to qualify for a loan?

Any insight and feedback is appreciated.

Thanks.

CA investor.