Debt to income ratio when you have rental properties

[Frandizon John Reyes]

How do you calculate debt to income ratio when you have rental property? Are we using gross rental incomes or net? I own two 3-unit buildings in the Chicago area and live in one of the units. Total gross rental income is $7,000/month. Mortgage for the two buildings are $2,450/month and $2,750/month for a total combined mortgage of $5,200/month between the two. My net rental income is $1,800/month. Are we using the $7,000 gross rental income number for the denominator in dti calculation or the $1,800 net income number. Any help would be appreciated.