Qualification spouse for conventional loan

[Thant H.]

Hello BP,

Thanks in advance for taking time to answer. I'd like to know how a spouse is considered in getting a conventional mortgage for rental. For example, wife and husband bought a primary house in year 1. but only the husband's name is on the loan, but both husband and wife names are on the deed. On year 2, the wife wants to get a loan for a rental property, just by herself. Is  mortgage payment of the primary house count against wife's income in calculating qualification of loan on the rental? Even though the wife's name is not on the loan of first property, is her income considered responsible for monthly mortgage payment of the first home? The state is PA. Thanks.