Debt to income ratio

[Harry Piotrowski]

I’m having a really tough time figuring out a way around the debt to income ratio. With a 35k/year job it seems almost impossible for me to get any sort of loan in my market. There has to be a way around this. Any help is appreciated!

[Albert Bui]

DTI or debt to income is simply your monthly liabilities divided by your monthly income and given you're at 35k that means 35k / 12 months or roughly 2916 per month.

If Max DTI (it varies on program) is 50% then you can borrow up to half of 2916 per month or about 1458 max per month. Thats including everything from your min credit card payments, auto car loans, mortgages, etc