Debt Will Always Outrun Income in DTI Ratio??

[Quinn Compton]

I have just been doing the number crunching on DTI Ratio going forward on these. How is it physically possible for someone to achieve 10 public mortgages? The DTI Ratio severely inflates because the income gained from the property on LTR will NEVER overcome the debt payments. For example, the debt payments on my duplex is $1,900. The total rent gained is $2,850. The DTI contribution to my personal DTI is $1,900/$2,850 = .67. Mortgage lenders will not lend a mortgage to someone with a DTI over 50%...... So how can one possibly get to 10 public mortgages without making $200,000-$300,000/year in side income? So let's say you make $300,000 in a year besides real estate. You take out 10 mortgages at an average of $200,000 each so $2,000,000 of mortgages. The debt payments on that $2mil is $17,622/Month. Add in your total income from those 20 properties. We will say it is $1600/month/property= $192,000. So you add in your $300,000 and $192,000 earned from your properties and you come up with a DTI of 43%.... Is that the ticket? You need to make $200,000-$300,000 on the side just to be able to afford the next 10 public mortgages? I don't know, maybe I am thinking of this wrong. Let me know what you think. My next thing is that if I start taking out DSCR's, will I ever be able to take advantage of the 10 public mortgages I am allowed? I am thinking probably not because income will never catch debt payments. Also how does that affect other lending? Buying cars, etc with a 65-70% DTI?