DTI: car, HOA, IRS payments

[Carolyn Ki]

I'm trying to figure out my DTI but haven't been able to verify if the following items are counted as debt or not. Can anyone clarify?

1) Car payment: paid by my SCorp

2) HOA payment: this is an HOA payment for a rental property which is run as a sole proprietorship

3) IRS payment plan for back taxes owed: for my personal tax return.  This doesn't show up in credit reports but the monthly payment shows up in my bank account as a debit.

[Chris Mason]

Honestly, if you're that far into the weeds, it's probably time to get off of Web MD and go talk to a real doctor. Good chance the issue isn't actually the back ache you've been focused on, it's something else you aren't thinking of and may not  have known about, maybe even with a super quick and easy fix not even on your radar, because you're down the wrong rabbit hole.