The Issue of DTI depends on your specific situation unless a person here is a loan officer and has reviewed your entire scenario, how you file your tax return, your rentals, and your income sources the answer you receive will be lacking.Regarding commercial they dont use DTI they focus on DCR or debt coverage ratio which is essence is another ratio that focuses on income to monthly mortgage payment as opposed to total personal expense to gross personal income (Debt to Income - DTI).Most commercial lenders will look at the systematic risk of your entire financial scenario not just personal or property, they call it "global cashflow."

TBH lots of people are starting to panic about what to do with their money, given the current global economic conditions.

Do they meet Canadian Securities Regulations?

Just curious, are you planning on learning how to invest in Canadian RE or in the USA?

But there is a good argument that things are getting close to the top with lower cap rates, higher stock valuations, likely interest rate hikes, global economic changes and attitudes towards globalization, etc. 

@Hai Loc, US market is different than the Canadian.

We're in the midst of a global pandemic! 

Possibly Canada, because I don't have any experience with Canadian title policies.

The risk factor can be based on your current net worth, liquidity, global cash flow to out earn making a mistake with your regeneration of monthly cash.

Canadian here.