When will a bank let you leverage past what your salary covers?

[Bob Ross]

I’ve heard of hair dressers with hundreds of units in their portfolio.

Obviously their business income will not cover

The cost of all these mortgages.

When will banks start approving you for more than what your job salary allows?

Is it because they allow rental income to count

As your regular income? Is it generally 50% of rental income that is allowed to count towards getting approved for your next property?

How are people growing these real estate “empires”?