Freddie Mac DTI for Investment Properties

[Shahzad Shaikh]

Hey all! Question on the DTI calculation for Freddie Mac backed loans. When buying an investment property that is going to be rented out - does the lender typically calculate the expected rent on the property into your DTI ratio? I think it’s called form 1000

https://guide.freddiemac.com/c...

For example, if I'm purchasing a property where monthly PITI is $1,000 and monthly rental income is projected to be $1,100 does my "income" part of DTI go up by $100 and effective improve my DTI to qualify for the loan?

Thanks in advance!