Why are my rentals increasing my debt to income ratio? I need to buy a primary homeMy credit score is above 700, my W2 income is 90K+, I own 5 properties (one free and clear), all of the properties are on my 1040's and show a profit every year. I'm trying to pull cash out of the property that is paid off and use the proceeds to pay down some credit card debt and purchase a new (owner occupied) home. The lender I have been dealing with is telling me that my debt to income ratio is 47% and I feel like she is calclating something incorrectly. Since my rentals all show a profit, how could the mortgage payments on them affect my ratio as if they were not profitable. I'm very confused....I've owned real estate for nearly 30 years and never had a late payment, foreclosure, reposession, nothing derogatory! Are the banks really that scared?January 04 2014 - Lake Suzy00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.