Debt to income question.

[Clinton Davis]

2 questions now that I have you here.

I have bought 2 houses using owner financing this year to add to my small portfolio.  Do I need to include the note payment for the houses on my debt to income ratio?  My guess is yes of course since I use my rental income but just wanted some clarification.  

My w2 job doesn't show much income but I own 2 houses free and clear and just bought these 2 more houses over the covid19 shutdown.  What would be the best way to qualify or refi for a loan to buy more properties?  Thanks.