How does Debt to Income affect how many properties you can have?

[Lena Truong]

Hi All!

Do most lenders take your investment properties into account when calculating debt to income ratios?  We're basically maxed out on our debt to income ratio now because:

1) We have our primary home

2) We have two other properties that are now rentals because we are always relocating with my husband's company.  

-We don't have any other debts, no credit card, no auto, nothing, just properties and we are maxed out.  I really want to invest in property but not sure how I can get to our goal of 10 properties if all properties are taken into account for the calculations.