So I'm somewhat new to the Investing world and had a question that I haven't been able to find the answer to. I'll give some background info first. I currently have 2 homes. A personal residence and a investment property. Both properties have more than 20% equity so I elect not to escrow with my mortgage company. This means that my monthly payment, when looking at my credit report, doesn't reflect the monthly tax and insurance amount. When I go to purchase another property and going through the loan process, specifically related to debt-to-income or my monthly buying power, will the lender take into account the property taxes and insurance on both properties or will they use only the provided monthly payment info when figuring my monthly buying power which is (annual income x 45% / 12 months) from what I head read.
