The link I put in above, however, is how underwriters are going to do it.

Some lenders are going to have overlays or not understand how to actually calculate rental income properly (full disclosure - I've closed loans that were turned down because of a banker or loan broker not understanding how to calculate income).  

It seems we are up against DTI for our personal income as a measuring stick to purchase another property.

I’m struggling to see how I can afford to get into a second house with my current DTI.

May give you enough income to lower your DTI.

Whidden: I am looking to purchase two properties using DSCR loans.

Quote from @Saurabh Kukreja: Do you use any fancy tool that you plug in your numbers to calculate your net per year ?

This makes DSCR loans an attractive financing option for investors looking to scale their portfolios without directly impacting their personal debt-to-income (DTI) ratio.

However, due to keep purchasing real estate, my DTI is high and close to 50%.

When doing residential loan for fourplex, my W2 + my partner's W2 can be used to calculate DTI.