Does rental income count towards debt to income ratio?

As a blogger, I've been researching whether rental income counts towards the debt to income ratio. From my findings, I can confirm that rental income can indeed be considered as part of your income when calculating your debt to income ratio. Lenders typically include a percentage of your rental income, often around 75%, to account for potential vacancies or maintenance expenses. It's important to note that the rental property must have a stable history of occupancy to be considered in your debt to income ratio. So, if you're a landlord with a reliable rental history, your rental income can help improve your debt to income ratio and potentially help you secure loans or better interest rates.

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Ivy Silverman, May, 22 2023