It can be excluded from your personal DTI, but the proof underwriting needs is the business bank account, backed by tax returns that do not double-count the debt. The rule for a debt in your name that your business pays: the lender has to document that the business actually made the payments, typically with the most recent 12 months of canceled business checks or business bank statements, with no late payments in that stretch. Meet that standard and the payment comes out of your personal ratios even though the account reports on your personal credit. The property simply appearing on the business tax return is not enough by itself. The returns still matter for a different reason: if the mortgage interest was deducted on the business return, the cash-flow analysis has to be done carefully so the same obligation does not get counted against you twice, once in the business income analysis and again as a personal debt. So the practical move for a self-employed buyer is to line this up before applying: payments running cleanly from the business account for a full year, and returns prepared the way the exclusion requires. A loan officer who actually reads self-employed returns can tell you early whether your file supports it, and that review is part of the free Roadmap conversation, where we run your real numbers.