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Credit effects

I have mortgages on two properties that I currently rent  with a lease w/option to purchase after two years.  The property is showing up with my income to debt ratio out of whack. What can I do to stop this drain on my credit? I thought about incorporating but I want to make sure it would benefit me by doing so. Any help would be appreciated.  Note:  I lost my job and could not sell the house so I did a lease on both properties.
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