What kind of income is considered in DTI ratio?

[Winston Yang]

Hi, I have a question for members who have worked with lenders.  When they calculate debt to income ratio, what kind of income do they consider?  Would they include:

1. Dividend from stocks

2. Airbnb income from rental properties that I want to acquire

3. Aribnb income from primary residence

4. Foreign income (salaries from oversea jobs)

Grateful for any advice