Long-Term Rentals & DTI

[Colby Wartman]

I was asked yesterday by a good friend of mine who has got 1-2 rentals in the last year and I wanted to check with you all first. His question was, if you have a long-term residential lease signed 1+ years and the property is rented out, does the mortgage still count against your DTI? If the mortgage product affects the answer, it would be a traditional investment property mortgage, not a DSCR loan. I would like to know the answer to this question as well! Thank you all.