Lowering debt to income ratio for future loans

[Gregory Morris]

Hey friends, 

I am working on my first investment deal and can't wait to get onto my second! I am going to rent out my current condo and fix and flip my new spot with my girlfriend. I was able to use an FHA loan which is AWESOME, but is never going to happen again, so that dream of a short-term rental property means I most likely will need 25% down and a debt/income ratio of <45% (I think).....

So, I will be able to show cash flow from my current property once I rent it out (yes I did a pessimistic analysis). My girlfriend will also be paying half of the mortgage as "rent". Will the bank include those cash streams to help reduce my debt/income ratio, or will I need to get creative for my next deal?