DTI ratios are generally used in consumer/residential (aka primary) mortgages when the property is in your personal name.

@Jeffrey Mair I would keep your rentals forever, especially that they are cash flowing. 

It's 40+ minutes from either one to JC and people who stay out at the lake are a different group than would stay in JC for events there. 

Once it’s set up, though, payments tend to come like clockwork, which is one of the biggest perks.That said, it's important to remember that rent isn’t necessarily guaranteed forever like a lot of folks assume.

@Marie Pruden the money owed before September becomes consumer debt.

The bottom line is this: Concealment is not asset protection, proper (time consuming and expensive, I know) management, and good, prudent, practices (ditto), WHICH ARE ADHERED TO, and insurance (expensive), are needed for asset protection.

Unfortunately, that is an expensive time-consuming process.

But since I'm dumb when it comes to such I may forever pay the price.  

We've averaged around 7% for mortgage rates for the past two years now…I think if we can see a settling somewhere in the 6% range, if not sub 6%, we will see nice consumer confidence not only for home values, but rent values as well.

I think broader consumer taste is killing malls, which includes online shopping, but also even where people are choosing to live and how they are spending their time/money, more broadly.I worked for a company that bought a failing mall back in 2012 (online shopping was "killing retail" then too), redeveloped most of it into more open air power center and sold.