Does a commercial loan count against my personal DTI?

[Brian Barfoot]

I'm about to get my first commercial loan after doing four properties conventional. The reason I'm going to commercial is that I'm past the bank's happy-point of DTI. If I switch one of my conventional loans to commercial will that take it off of my personal list and free up some room for another conventional?

[Russell Brazil]

You should really try to maximize your 10 conventional loan limit before moving up to commercial. Unless your properties are operating at losses, you should receive credit for rental income to measure against those mortgages.