Question about my debt-to-income ratio??

[Michael Conway]

My wife and I recently purchased a duplex "house-hack" together. She had a short sale a few years back so we financed this through FHA. I am looking into another deal with a partner on a SFR. My gross yearly income is around 100K, my wife's is 90K, our mortgage is $4700 and we have a credit card with around a $150 monthly payment, no other debt.

My question is how will the lendor calculate MY debt-to-income ratio if only my name is on the loan, and only my income is included.  Also, we have only had the duplex for 3 months, rent coming is currently is $1650/month, can this be included in DIR?  Any info from lending professionals would be helpful.

Thanks!