Renting Out Personal Residence - Refinance Considerations

[Dalyn Hazell]

Hi everyone, 

I'm considering refinancing my personal residence. My plan with this property is to hold it indefinitely and rent it out when I move. However, I also want to consider how holding it may affect my debt-to-income ratio. It's a 15 year mortgage, so the payment is a little higher.

Here's my question - Once I move out and have rented the property for 2 years, as some say, does the debt-to-income dilemma disappear, and no longer affect my debt-to-income ratio, even though it was financed as a personal residence?

Thank you!