What to tell lender when they ask for "Monthly Debt" figure?

[Allen L.]

Hi guys, I am looking to purchase a 3 flat in the city that I live as a live-in owner-investor. My only other rental property is in TX. If a lender ask me what my Monthly Debt figure is, what exactly are they looking for? I have credit card bills but I pay them off monthly, I do not have loans of any kind besides my mortgage payment on my rental property, and I currently rent a studio apartment in the city that I live. 

My guess is that 1) credit card bills paid off promptly shouldn't be included 2) mortgage pmt should be included 3) rent shouldn't be included. What about property tax, HOA, homeowner insurance etc on the rental property, should those be included as well? If there are other things I'm missing please let me know as well. I haven't spoken to a lender yet, I'm just playing with the generic "how much mortgage can I afford" calculators online.