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Updated almost 6 years ago on . Most recent reply

Kevin Cespedes's profile image
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Kevin Cespedes
  • Rental Property Investor
  • from Passaic, NJ
  • Member since Feb 14, 2019
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Kevin Cespedes's profile image
Kevin Cespedes's profile image
Kevin Cespedes
  • Rental Property Investor
  • from Passaic, NJ
  • Member since Feb 14, 2019
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Kevin Cespedes
  • Rental Property Investor
  • Passaic, NJ
14
Votes |
58
Posts
Private Lending & Conventional Mortgage Advice

Debt to income ratio

Kevin Cespedes
  • Rental Property Investor
  • Passaic, NJ
Posted

Hi guys. I need some help understanding how does the debt to income thing works.. in regards to getting a approve for a loan. If anybody can break this down for me it will be greatly appreciated..

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    Kenneth Garrett's profile image
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    Kenneth Garrett
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    • from Florida Panhandle/Illinois
    • Member since Dec 1, 2016
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    Kenneth Garrett
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    Kenneth Garrett
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    Kenneth Garrett
    • Investor
    • Florida Panhandle/Illinois
    Replied

    @Kevin Cespedes

    Here is a simple calculation.

    DTI

    Gross Income $5000

    Car payment $500

    Credit Card $500

    Mortgage/RE Taxes $1000

    Insurance $100

    $5000/$2100 = 42% DTI

  • Kenneth Garrett
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