How does seller financing effect my debt to income ratio?

[Account Closed]

Hello,

So, I believe these are the three things looked at by a lender.
[1] credit score
[2] debt to income ratio
[3] how much money I make a year

I can control my credit score, but I can't control my job income (to some degree...that's why I'm beginning investing.)

But what about debt to income ratio?. My thought was I could buy more property without it effecting my debt to income ratio if it was seller financed. Is this the wrong way to think about this? Are there some really good resources you could point me to?

**And sorry about the title deb = debt (The editor wouldn't let me edit the title after I submitted the post)

Thanks,
J