Name(s) to put on loan/deed if married-Advantages/Disadvantages?

[Jaideep Sawhney]

Hello,

My wife and I have 3 properties (single-family) with both our names on the deed. My wife is on the loan for 1 property and I am on the loan for 2 properties. We are looking to purchase our 4th property with my wife's name on the loan. 

I came to know from one of the agent (local bank) that even if your wife has only 1 loan so far, she is on the deed for 3 properties and that it will count as if she is responsible for all the 3 properties. Thus, her DTI ratio will be calculated based on all 3 properties.

Is the above information correct? 

Also, are there advantages (for acquiring bank loans in the future) to getting the loan/deed in either one of our names versus getting the loan/deed put into our names jointly?

Please advise. Thank you in advance.