Spouse on deed but not loan still affect DTI/max loans?

[Ryan Moyer]

Sorry if this has been clarified before, I couldn't find the answer in a search.

My wife and I are trying to maximize the number of properties we can eventually get into by keeping DTI and max loans counted against only one of us on each property.

To do this do we only need to make sure that only one of our names are on the loan, or that only one of our names are on the title also?

So for instance we are making an offer on an investment property now. What I assume we need to do is...

1. Write offer with both of our names on it
2. Put both of our names on the title of the home
3. Do the loan in only my name

So then later if we go to get a loan on another property under only my wife's name this property shouldn't count against her DTI or max number of loans, right? Or would it count against her because her name is on the deed and was on the offer?