So, yes, the lender will underwrite your property and base their decision on how they think the property will cover your debt service, but they also want to know you have the ability to step in if stuff goes sideways.

DTI is probably 1000X more likely to limit your ability to get a loan than credit pulls associated with all the loans you have gotten and are paying.

Granted this all really impacts the ability to get highest and best...but it'll ultimately get UC if priced right. 

I did this on my first, as there was no way I would've had the ability to put 20%+ down on anything.

This gives you the ability to shift the Property Management work to another company without screwing up your cash flow completely.Change your mortgage to a 30 year loan. 

Holding on to false beliefs is even more damaging.I would argue that self reflection and the ability to change our mindset extremely important.

Feature request- ability to edit a post!

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Then as your experience and reputation grows, moving into an REI when you are able, will demonstrate your abilities and show everyone you can be taken seriously.Good luck!

Their ability and motivation to lend will vary by the economic environment, the cash position of the bank and their management.