Will wife's mortgage on a house affect husband's ability to get a mortgage on new house if the new house will be in his name?

Have your husband ask the mortgage broker/lender "I want to buy this house in my name and leave my wife out of it, can I qualify"?

As long as your mortgage is not on his credit report you should be OK. You are right, self-employment income is a tough sell these days, especially for a new business. They will count you as a zero but add in your debt.

I think you can always modify the deed after you close if you want to switch to JTWROS or TIC.

I have a feeling that if husband's name is on the current mortgage, that mortgage will be included in the bank's calculations. they have found rental property im another state in that was in my husband's name.

If you can show that your current property produces rental income, you stand a much better chance

If the wife's mortgage doesn't appear on the husband's credit report, and the wife's income is not needed to qualify, then should be OK.