How lenders typically calculate DTI

[Archie Barrett]

Hello, I have 5 mortgages on 8 investment properties, but I'm no longer working a high income job and so I need to pay more attention to DTI for future loans. I want to verify when calculating DTI, lenders will only look at the monthly principle and interest payments for each of the 5 mortgages and ignore the escrow portion (for taxes and insurance). Thanks!