Debating DTI with my loan officer
I have a great deal UC and my loan officer I believe is calculating DTI wrong. The property makes $2300 a month in gross rents. I understand that 25% if taken off the top for vacancy, OPEX etc which would bring my total to $1725. The debate starts here, she is then taking PITI of $1050 out of the $1725 and adding that to my income which I think is correct but then she is including the PITI again on the debt side.
My opinion is that she is factoring and counting in the PITI against me twice, once in the income side and again on the debt side. I believe the PITI should not be factored again the debt side and if it is that $1725 as a whole should be factored into my income. All that being said each cash flowing property should be helping my DTI not hurting it. Am I wrong ?