{"id":146725,"date":"2023-09-29T15:48:31","date_gmt":"2023-09-29T15:48:31","guid":{"rendered":"https:\/\/namso-gen.co\/blog\/does-a-rental-property-count-against-debt-to-income-ratio\/"},"modified":"2023-09-29T15:48:31","modified_gmt":"2023-09-29T15:48:31","slug":"does-a-rental-property-count-against-debt-to-income-ratio","status":"publish","type":"post","link":"https:\/\/namso-gen.co\/blog\/does-a-rental-property-count-against-debt-to-income-ratio\/","title":{"rendered":"Does a rental property count against debt-to-income ratio?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_62 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/namso-gen.co\/blog\/does-a-rental-property-count-against-debt-to-income-ratio\/#Does_a_rental_property_count_against_debt-to-income_ratio\" title=\"Does a rental property count against debt-to-income ratio?\">Does a rental property count against debt-to-income ratio?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/namso-gen.co\/blog\/does-a-rental-property-count-against-debt-to-income-ratio\/#1_Can_rental_income_help_lower_my_debt-to-income_ratio\" title=\"1. Can rental income help lower my debt-to-income ratio?\">1. Can rental income help lower my debt-to-income ratio?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/namso-gen.co\/blog\/does-a-rental-property-count-against-debt-to-income-ratio\/#2_What_expenses_associated_with_a_rental_property_are_considered_in_the_debt-to-income_ratio_calculation\" title=\"2. What expenses associated with a rental property are considered in the debt-to-income ratio calculation?\">2. What expenses associated with a rental property are considered in the debt-to-income ratio calculation?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/namso-gen.co\/blog\/does-a-rental-property-count-against-debt-to-income-ratio\/#3_How_is_rental_income_calculated_in_the_debt-to-income_ratio\" title=\"3. How is rental income calculated in the debt-to-income ratio?\">3. How is rental income calculated in the debt-to-income ratio?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/namso-gen.co\/blog\/does-a-rental-property-count-against-debt-to-income-ratio\/#4_Do_lenders_require_proof_of_rental_income_when_calculating_debt-to-income_ratio\" title=\"4. Do lenders require proof of rental income when calculating debt-to-income ratio?\">4. Do lenders require proof of rental income when calculating debt-to-income ratio?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/namso-gen.co\/blog\/does-a-rental-property-count-against-debt-to-income-ratio\/#5_Can_rental_properties_have_a_negative_impact_on_my_debt-to-income_ratio\" title=\"5. Can rental properties have a negative impact on my debt-to-income ratio?\">5. Can rental properties have a negative impact on my debt-to-income ratio?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/namso-gen.co\/blog\/does-a-rental-property-count-against-debt-to-income-ratio\/#6_How_does_a_rental_property_affect_my_overall_financial_health\" title=\"6. How does a rental property affect my overall financial health?\">6. How does a rental property affect my overall financial health?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/namso-gen.co\/blog\/does-a-rental-property-count-against-debt-to-income-ratio\/#7_Are_there_ways_to_improve_my_debt-to-income_ratio_if_I_own_a_rental_property\" title=\"7. Are there ways to improve my debt-to-income ratio if I own a rental property?\">7. Are there ways to improve my debt-to-income ratio if I own a rental property?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/namso-gen.co\/blog\/does-a-rental-property-count-against-debt-to-income-ratio\/#8_Can_I_exclude_rental_income_from_the_debt-to-income_ratio_calculation\" title=\"8. Can I exclude rental income from the debt-to-income ratio calculation?\">8. Can I exclude rental income from the debt-to-income ratio calculation?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/namso-gen.co\/blog\/does-a-rental-property-count-against-debt-to-income-ratio\/#9_How_can_I_ensure_that_my_rental_property_does_not_negatively_impact_my_debt-to-income_ratio\" title=\"9. How can I ensure that my rental property does not negatively impact my debt-to-income ratio?\">9. How can I ensure that my rental property does not negatively impact my debt-to-income ratio?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/namso-gen.co\/blog\/does-a-rental-property-count-against-debt-to-income-ratio\/#10_Should_I_consider_selling_my_rental_property_if_it_is_negatively_impacting_my_debt-to-income_ratio\" title=\"10. Should I consider selling my rental property if it is negatively impacting my debt-to-income ratio?\">10. Should I consider selling my rental property if it is negatively impacting my debt-to-income ratio?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/namso-gen.co\/blog\/does-a-rental-property-count-against-debt-to-income-ratio\/#11_Can_rental_properties_be_considered_as_an_asset_when_calculating_debt-to-income_ratio\" title=\"11. Can rental properties be considered as an asset when calculating debt-to-income ratio?\">11. Can rental properties be considered as an asset when calculating debt-to-income ratio?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/namso-gen.co\/blog\/does-a-rental-property-count-against-debt-to-income-ratio\/#12_How_can_I_accurately_account_for_rental_income_and_expenses_in_my_debt-to-income_ratio_calculation\" title=\"12. How can I accurately account for rental income and expenses in my debt-to-income ratio calculation?\">12. How can I accurately account for rental income and expenses in my debt-to-income ratio calculation?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Does_a_rental_property_count_against_debt-to-income_ratio\"><\/span>Does a rental property count against debt-to-income ratio?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The short answer is yes, a rental property does count against debt-to-income ratio. When applying for a mortgage or loan, lenders will take into consideration the potential income and expenses associated with the rental property.<\/p>\n<p>Debt-to-income ratio is a crucial factor that lenders use to determine a borrower&#8217;s ability to repay their loan. It is calculated by taking the borrower&#8217;s monthly debt payments and dividing it by their gross monthly income. Lenders typically look for a debt-to-income ratio of 43% or lower.<\/p>\n<p>If you own a rental property, the rental income can be considered when calculating your debt-to-income ratio. However, lenders will also take into account any expenses associated with the rental property, such as mortgage payments, property taxes, insurance, and maintenance costs.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_Can_rental_income_help_lower_my_debt-to-income_ratio\"><\/span>1. Can rental income help lower my debt-to-income ratio?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, rental income can help lower your debt-to-income ratio by increasing your total monthly income. This can make you a more attractive borrower to lenders.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_What_expenses_associated_with_a_rental_property_are_considered_in_the_debt-to-income_ratio_calculation\"><\/span>2. What expenses associated with a rental property are considered in the debt-to-income ratio calculation?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nExpenses such as mortgage payments, property taxes, insurance, and maintenance costs are considered when calculating the debt-to-income ratio.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_How_is_rental_income_calculated_in_the_debt-to-income_ratio\"><\/span>3. How is rental income calculated in the debt-to-income ratio?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nLenders will typically consider 75% of the rental income when calculating the debt-to-income ratio to account for potential vacancies and other expenses.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Do_lenders_require_proof_of_rental_income_when_calculating_debt-to-income_ratio\"><\/span>4. Do lenders require proof of rental income when calculating debt-to-income ratio?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, lenders will typically require documentation of rental income, such as lease agreements or tax returns, to include it in the debt-to-income ratio calculation.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Can_rental_properties_have_a_negative_impact_on_my_debt-to-income_ratio\"><\/span>5. Can rental properties have a negative impact on my debt-to-income ratio?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf a rental property has high expenses and low rental income, it can have a negative impact on your debt-to-income ratio and make it more challenging to qualify for a loan.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_How_does_a_rental_property_affect_my_overall_financial_health\"><\/span>6. How does a rental property affect my overall financial health?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nOwning a rental property can provide a source of passive income, but it also comes with additional financial responsibilities and risks that need to be considered when evaluating your overall financial health.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_Are_there_ways_to_improve_my_debt-to-income_ratio_if_I_own_a_rental_property\"><\/span>7. Are there ways to improve my debt-to-income ratio if I own a rental property?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYou can improve your debt-to-income ratio by increasing your rental income, reducing expenses associated with the rental property, or paying down existing debts.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"8_Can_I_exclude_rental_income_from_the_debt-to-income_ratio_calculation\"><\/span>8. Can I exclude rental income from the debt-to-income ratio calculation?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIn some cases, lenders may allow you to exclude rental income from the debt-to-income ratio calculation if you can provide documentation showing a steady rental income history.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"9_How_can_I_ensure_that_my_rental_property_does_not_negatively_impact_my_debt-to-income_ratio\"><\/span>9. How can I ensure that my rental property does not negatively impact my debt-to-income ratio?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nBy carefully managing expenses, maintaining a high occupancy rate, and staying on top of property maintenance, you can minimize the negative impact of a rental property on your debt-to-income ratio.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"10_Should_I_consider_selling_my_rental_property_if_it_is_negatively_impacting_my_debt-to-income_ratio\"><\/span>10. Should I consider selling my rental property if it is negatively impacting my debt-to-income ratio?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nSelling a rental property may be a solution if it is significantly impacting your debt-to-income ratio and financial stability. However, it is important to weigh the pros and cons before making a decision.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"11_Can_rental_properties_be_considered_as_an_asset_when_calculating_debt-to-income_ratio\"><\/span>11. Can rental properties be considered as an asset when calculating debt-to-income ratio?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, rental properties can be considered as an asset when calculating debt-to-income ratio, as they can provide a source of income and potential appreciation over time.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"12_How_can_I_accurately_account_for_rental_income_and_expenses_in_my_debt-to-income_ratio_calculation\"><\/span>12. How can I accurately account for rental income and expenses in my debt-to-income ratio calculation?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nTo accurately account for rental income and expenses, it is recommended to keep detailed records of all income and expenses related to the rental property and provide these documents to lenders when applying for a loan.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Does a rental property count against debt-to-income ratio? The short answer is yes, a rental property does count against debt-to-income ratio. When applying for a mortgage or loan, lenders will take into consideration the potential income and expenses associated with the rental property. Debt-to-income ratio is a crucial factor that lenders use to determine a &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"Does a rental property count against debt-to-income ratio?\" class=\"read-more button\" href=\"https:\/\/namso-gen.co\/blog\/does-a-rental-property-count-against-debt-to-income-ratio\/#more-146725\">Read more<span class=\"screen-reader-text\">Does a rental property count against debt-to-income ratio?<\/span><\/a><\/p>\n","protected":false},"author":34,"featured_media":107420,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[86279],"tags":[],"class_list":["post-146725","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-learn","no-featured-image-padding"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Does a rental property count against debt-to-income ratio?<\/title>\n<meta name=\"description\" content=\"Does a rental property count against debt-to-income ratio? The short answer is yes, a rental property does count against debt-to-income ratio. When\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/namso-gen.co\/blog\/does-a-rental-property-count-against-debt-to-income-ratio\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Does a rental property count against debt-to-income ratio?\" \/>\n<meta property=\"og:description\" content=\"Does a rental property count against debt-to-income ratio? The short answer is yes, a rental property does count against debt-to-income ratio. When\" \/>\n<meta property=\"og:url\" content=\"https:\/\/namso-gen.co\/blog\/does-a-rental-property-count-against-debt-to-income-ratio\/\" \/>\n<meta property=\"og:site_name\" content=\"Namso Gen Blog - Free Credit Card Generator [100% Valid]\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/synchronyfinancial\" \/>\n<meta property=\"article:published_time\" content=\"2023-09-29T15:48:31+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/namso-gen.co\/blog\/wp-content\/uploads\/2020\/07\/namso-gen-logo.png\" \/>\n\t<meta property=\"og:image:width\" content=\"500\" \/>\n\t<meta property=\"og:image:height\" content=\"164\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Jon Booth\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@synchrony\" \/>\n<meta name=\"twitter:site\" content=\"@synchrony\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Jon Booth\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/namso-gen.co\/blog\/does-a-rental-property-count-against-debt-to-income-ratio\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/namso-gen.co\/blog\/does-a-rental-property-count-against-debt-to-income-ratio\/\"},\"author\":{\"name\":\"Jon Booth\",\"@id\":\"https:\/\/namso-gen.co\/blog\/#\/schema\/person\/f638ce5382342b382cca20cb01fa1a42\"},\"headline\":\"Does a rental property count against debt-to-income ratio?\",\"datePublished\":\"2023-09-29T15:48:31+00:00\",\"dateModified\":\"2023-09-29T15:48:31+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/namso-gen.co\/blog\/does-a-rental-property-count-against-debt-to-income-ratio\/\"},\"wordCount\":608,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/namso-gen.co\/blog\/#organization\"},\"articleSection\":[\"Learn\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/namso-gen.co\/blog\/does-a-rental-property-count-against-debt-to-income-ratio\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/namso-gen.co\/blog\/does-a-rental-property-count-against-debt-to-income-ratio\/\",\"url\":\"https:\/\/namso-gen.co\/blog\/does-a-rental-property-count-against-debt-to-income-ratio\/\",\"name\":\"Does a rental property count against debt-to-income ratio?\",\"isPartOf\":{\"@id\":\"https:\/\/namso-gen.co\/blog\/#website\"},\"datePublished\":\"2023-09-29T15:48:31+00:00\",\"dateModified\":\"2023-09-29T15:48:31+00:00\",\"description\":\"Does a rental property count against debt-to-income ratio? The short answer is yes, a rental property does count against debt-to-income ratio. When\",\"breadcrumb\":{\"@id\":\"https:\/\/namso-gen.co\/blog\/does-a-rental-property-count-against-debt-to-income-ratio\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/namso-gen.co\/blog\/does-a-rental-property-count-against-debt-to-income-ratio\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/namso-gen.co\/blog\/does-a-rental-property-count-against-debt-to-income-ratio\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/namso-gen.co\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Does a rental property count against debt-to-income ratio?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/namso-gen.co\/blog\/#website\",\"url\":\"https:\/\/namso-gen.co\/blog\/\",\"name\":\"Namso Gen Blog - Free Credit Card Generator [100% Valid]\",\"description\":\"In Namso gen blog you can get many tips regarding to Credit cards, VCC, Credit card security etc. You can generate credit cards by using Namso-gen.co\",\"publisher\":{\"@id\":\"https:\/\/namso-gen.co\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/namso-gen.co\/blog\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/namso-gen.co\/blog\/#organization\",\"name\":\"Namso Gen Blog - Free Credit Card Generator [100% Valid]\",\"url\":\"https:\/\/namso-gen.co\/blog\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/namso-gen.co\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/namso-gen.co\/blog\/wp-content\/uploads\/2020\/07\/namso-gen-logo.png\",\"contentUrl\":\"https:\/\/namso-gen.co\/blog\/wp-content\/uploads\/2020\/07\/namso-gen-logo.png\",\"width\":500,\"height\":164,\"caption\":\"Namso Gen Blog - Free Credit Card Generator [100% Valid]\"},\"image\":{\"@id\":\"https:\/\/namso-gen.co\/blog\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/synchronyfinancial\",\"https:\/\/twitter.com\/synchrony\",\"https:\/\/www.youtube.com\/synchronyfinancial\",\"https:\/\/www.instagram.com\/synchrony\",\"https:\/\/www.linkedin.com\/company\/synchrony-financial\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/namso-gen.co\/blog\/#\/schema\/person\/f638ce5382342b382cca20cb01fa1a42\",\"name\":\"Jon Booth\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/namso-gen.co\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/?s=96&d=mm&r=g\",\"caption\":\"Jon Booth\"},\"description\":\"Guest author Jon Booth has meticulously crafted and revised this article to the best of their knowledge and understanding. Readers are strongly advised to exercise caution, verify information independently, and rely on their own judgment when considering the information provided. Read more articles on Namso Gen here.\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Does a rental property count against debt-to-income ratio?","description":"Does a rental property count against debt-to-income ratio? The short answer is yes, a rental property does count against debt-to-income ratio. When","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/namso-gen.co\/blog\/does-a-rental-property-count-against-debt-to-income-ratio\/","og_locale":"en_US","og_type":"article","og_title":"Does a rental property count against debt-to-income ratio?","og_description":"Does a rental property count against debt-to-income ratio? The short answer is yes, a rental property does count against debt-to-income ratio. When","og_url":"https:\/\/namso-gen.co\/blog\/does-a-rental-property-count-against-debt-to-income-ratio\/","og_site_name":"Namso Gen Blog - Free Credit Card Generator [100% Valid]","article_publisher":"https:\/\/www.facebook.com\/synchronyfinancial","article_published_time":"2023-09-29T15:48:31+00:00","og_image":[{"width":500,"height":164,"url":"https:\/\/namso-gen.co\/blog\/wp-content\/uploads\/2020\/07\/namso-gen-logo.png","type":"image\/png"}],"author":"Jon Booth","twitter_card":"summary_large_image","twitter_creator":"@synchrony","twitter_site":"@synchrony","twitter_misc":{"Written by":"Jon Booth","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/namso-gen.co\/blog\/does-a-rental-property-count-against-debt-to-income-ratio\/#article","isPartOf":{"@id":"https:\/\/namso-gen.co\/blog\/does-a-rental-property-count-against-debt-to-income-ratio\/"},"author":{"name":"Jon Booth","@id":"https:\/\/namso-gen.co\/blog\/#\/schema\/person\/f638ce5382342b382cca20cb01fa1a42"},"headline":"Does a rental property count against debt-to-income ratio?","datePublished":"2023-09-29T15:48:31+00:00","dateModified":"2023-09-29T15:48:31+00:00","mainEntityOfPage":{"@id":"https:\/\/namso-gen.co\/blog\/does-a-rental-property-count-against-debt-to-income-ratio\/"},"wordCount":608,"commentCount":0,"publisher":{"@id":"https:\/\/namso-gen.co\/blog\/#organization"},"articleSection":["Learn"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/namso-gen.co\/blog\/does-a-rental-property-count-against-debt-to-income-ratio\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/namso-gen.co\/blog\/does-a-rental-property-count-against-debt-to-income-ratio\/","url":"https:\/\/namso-gen.co\/blog\/does-a-rental-property-count-against-debt-to-income-ratio\/","name":"Does a rental property count against debt-to-income ratio?","isPartOf":{"@id":"https:\/\/namso-gen.co\/blog\/#website"},"datePublished":"2023-09-29T15:48:31+00:00","dateModified":"2023-09-29T15:48:31+00:00","description":"Does a rental property count against debt-to-income ratio? The short answer is yes, a rental property does count against debt-to-income ratio. When","breadcrumb":{"@id":"https:\/\/namso-gen.co\/blog\/does-a-rental-property-count-against-debt-to-income-ratio\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/namso-gen.co\/blog\/does-a-rental-property-count-against-debt-to-income-ratio\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/namso-gen.co\/blog\/does-a-rental-property-count-against-debt-to-income-ratio\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/namso-gen.co\/blog\/"},{"@type":"ListItem","position":2,"name":"Does a rental property count against debt-to-income ratio?"}]},{"@type":"WebSite","@id":"https:\/\/namso-gen.co\/blog\/#website","url":"https:\/\/namso-gen.co\/blog\/","name":"Namso Gen Blog - Free Credit Card Generator [100% Valid]","description":"In Namso gen blog you can get many tips regarding to Credit cards, VCC, Credit card security etc. You can generate credit cards by using Namso-gen.co","publisher":{"@id":"https:\/\/namso-gen.co\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/namso-gen.co\/blog\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/namso-gen.co\/blog\/#organization","name":"Namso Gen Blog - Free Credit Card Generator [100% Valid]","url":"https:\/\/namso-gen.co\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/namso-gen.co\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/namso-gen.co\/blog\/wp-content\/uploads\/2020\/07\/namso-gen-logo.png","contentUrl":"https:\/\/namso-gen.co\/blog\/wp-content\/uploads\/2020\/07\/namso-gen-logo.png","width":500,"height":164,"caption":"Namso Gen Blog - Free Credit Card Generator [100% Valid]"},"image":{"@id":"https:\/\/namso-gen.co\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/synchronyfinancial","https:\/\/twitter.com\/synchrony","https:\/\/www.youtube.com\/synchronyfinancial","https:\/\/www.instagram.com\/synchrony","https:\/\/www.linkedin.com\/company\/synchrony-financial"]},{"@type":"Person","@id":"https:\/\/namso-gen.co\/blog\/#\/schema\/person\/f638ce5382342b382cca20cb01fa1a42","name":"Jon Booth","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/namso-gen.co\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/?s=96&d=mm&r=g","caption":"Jon Booth"},"description":"Guest author Jon Booth has meticulously crafted and revised this article to the best of their knowledge and understanding. Readers are strongly advised to exercise caution, verify information independently, and rely on their own judgment when considering the information provided. Read more articles on Namso Gen here."}]}},"_links":{"self":[{"href":"https:\/\/namso-gen.co\/blog\/wp-json\/wp\/v2\/posts\/146725","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/namso-gen.co\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/namso-gen.co\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/namso-gen.co\/blog\/wp-json\/wp\/v2\/users\/34"}],"replies":[{"embeddable":true,"href":"https:\/\/namso-gen.co\/blog\/wp-json\/wp\/v2\/comments?post=146725"}],"version-history":[{"count":0,"href":"https:\/\/namso-gen.co\/blog\/wp-json\/wp\/v2\/posts\/146725\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/namso-gen.co\/blog\/wp-json\/wp\/v2\/media\/107420"}],"wp:attachment":[{"href":"https:\/\/namso-gen.co\/blog\/wp-json\/wp\/v2\/media?parent=146725"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/namso-gen.co\/blog\/wp-json\/wp\/v2\/categories?post=146725"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/namso-gen.co\/blog\/wp-json\/wp\/v2\/tags?post=146725"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}