[quote=rockingtime]I paid whatever lender asked me to put down so that I get approved for the loan
It’s not about % but about able to afford the two mortgages at a given time[/quote]I see, in another word, what you’re saying is, as long as your DTI ratio is <43%, you'll be fine. Also, don't you mean 3 mortgages? Unless you paid cash for one of them, where that one wouldn't increase your DTI ratio.

Also, which bank did you use that allow you to use rental income from a rental that you just acquired w/in a year? The lenders I've worked with all said I have to be a landlord at least 2 years before I can use 75% my rental income as income.