They typically will not count retirement funds and not allow you to borrowed the money.

Lowest mortgage in the country AND his porn comment got him 200 upvotes & counting which must be some kind of BP recordhttps://www.biggerpockets.com/forums/530/topics/704333-found-adult-videos-shot-in-and-outside-our-portland-airbnb

From what I understand, banks don't loan to investors who don't have two years of real estate management experience (which you can't get until after you've done your first deal) and won't count the rental income towards your debt to income ratio.  

I’d agree with Bob, you can get a pretty good estimate just by dropping down the bedroom count to the specific unit, and then multiplying that by how many units are in the multi family property.

At some banks a zero balance wouldn’t count at all against your DTI. 

Your NOI calculations are wrong.You're counting the total rent as NOI without factoring any expenses.It should look more like this:$1,350 x 6 units x 12 months = $97,200$97,200 / 50% (Expenses) = $48,600 NOINOI / 5.5% cap rate = $883,636 property valueThis is using the standard "50% Rule" to quickly estimate expenses but you would obviously need to get the actuals in order to really run the numbers in detail. 

They did, however, need the 20% down payment up front for the purchase, which they had in savings and borrowed from her 401k, which doesn't count toward debt-to-income ratio. 

@Dan Krupa thank you for the heads up, a buddy of ours has invested out there with success and now he’s moving out there, my husband feels more confident looking in a place where we have a friend that we can count on to help us out with anything out there.

We're going to set up an investment account for the"properties".And does that property Investments still count for both of is with leveraging loans?

Although before moving back to my own house we had an agreement that I would only pay utilities plus some other bills like Netflix, etc, while I was getting out of debt. they are using an  excuse that my girlfriend is at home so everybody got a pay for her/his own room, Although she only use water Gas and electricity Morally I decided to stop counting with my home-equity  because I think it’s a big responsibility and my family is living there too.