How Newly Purchased Properties affect DTI

[Yvonne H.]

Financing experts:

I purchased several new properties this year, most of them financed, and now I want to apply for a loan to finance the purchase of another property. I am wondering how the newly acquired properties, which are not on my 2018 tax returns, will be counted as far as income goes. I believe there is a sort of penalty--like only 75% of the income but 100% of the debt are counted. Can someone advise as to how exactly those are counted? I am wondering if it would be better to wait till I get next year's returns, which will include the new properties.

Thanks for your expertise!