Rental Mort DTI Clarification ?

[Alicia LaPointe]

Hey Guys. Total newbie here, go easy on me. :) My husband and I are planning on buying our first Rental Property in the next 12 months and I mostly just want to make sure we have all our ducks in a row. I'll keep this short and just ask the questions for now.

Will the lender take into account the anticipated income of the property (even if it's our first rental)? I've read a few mixed things on that. 

On our primary residence mortgage do we include taxes and insurance as part of our DTI? What about taxes and insurance on our investment property?

Does a 401k loan impact the DTI since it is not reported on your credit report? We don't currently have one... just a thought.

Thanks a bunch!