Spousal Debt to Income Ratio

[Craishia Millines]

Hi! My husband and I (both working) are purchasing our first home but have come across the idea for either of us to purchase it alone, to keep the others debt to income ratio at almost zero (we both have very little to no debt).

Is this a good idea? Looking down the road onto our next property and do not want to come to the problem that we are unable to get bank financing. I may be overthinking this because either way, one of us will have a high debt to income and the other may not qualify for a high payment.

Thoughts?

Thanks so much!

Craishia