Clearing conditions on FHA Loan

[Joseph Diryawush]

I have 2 cars that we are trying to exclude the payment from for dti ratios.

One was owned at $852 monthly payment (this was refinanced to remove borrower from the loan)

this one is giving me a problem because they are asking for payoff but honda is saying they take up to 10 days to be able to send it.

Any guidance on a way to get this closed sooner would be great, seller is on a tight timeline.

Second one is a lease that we have had approval to terminate (for $2600 fee) and then that one would be excluded.