Debt to income with multiple properties

[Daniel Kirk]

Hi folks, first time poster here :)  I have a question about debt to income with multiple mortgages. When you have (or have a goal of having) multiple properties does a conventional mortgage lender still look at your total debt to income levels when determining if they should lend more to you?  I'm curious, as that seems like it would be a limiting factor after a few properties.

Some background: My wife and I have 2 properties: 1 is our primary that we're building another unit on to rent, the other is a second home that we airbnb and get rental income on. Both have mortgages. Our goal is to continue to buy and renovate houses that we'd be stoked to vacation in, but rent them out while we're not there. They would not be in the price range that most BRRRR falls into (possibly 10x more) but the math works well so far using them for short term rentals in high demand areas; all while allowing us to stay there too. We do well financially, but my main concern pursuing this strategy is that it seems like there would be a limit someday to the amount our lender would lend after we get several houses. Or does the rental income on each mortgage help our case?

Thanks! Danny