Debt-to-income ratio question

[Bret Treadway]

I’m still a newbie and I’m considering a 4-plex in Texas. I’m set up where I can use a fha loan and put down 3.5%. At first it seemed like a no brainer but my concern is that I won’t be able to acquire more rental properties do to my credit (dti) being exhausted. My real estate agent told me I can only use my rent money from the property after 2 years of rent history as well as having 30% of the property paid down. Is this right? If so how do I get around being tied to this house with no opportunity to Continue Investing?