Do rental properties lease agreements resolve DTI?

[Charles Granja]

Hi,

I've heard on Biggerpockets that if I have active lease agreements: 75% of rental income would be counted towards income or that the debt service on the property would be wiped off.

The lender that I normally use said that properties with less than 2 years of ownership can't at all count towards lowering DTI. He also that a property I have purchased with cash also can't contribute towards lowering DTI.

It is more consistent for lenders to count the income or to turn it away with less than 2 years?