Long-Distance Real Estate Investing: Debt to Income (DTI)

[Jake Beauchamp]

Hi, in David Greene's book Long-Distance Real Estate Investing, he talks about what banks look for in borrowers as far as debt-to-income ratio and mentions, "Most banks don't want a DTI higher than 3-6 percent." Other sources online mention under about 35% is good. This is a big gap. Is Tmthese two sources calculating it differently, is it outdated, etc.? What am I missing? Or does the 3-6% apply specifically to long-distance RE investing?