Bankruptcy and rent to income ratio

[William C.]

A tenant that applied just filed Chapter 13 Bankruptcy several months ago and has a 600 credit score. His gross income is 4.6 times rent, but he has some after tax deductions (including bankruptcy payments he just started to make) which brings down his net income to 2.5 x rent. His job seems stable (with the same company for more than 10 years).

I have always used the 3 times rent rule for income, but don't know whether the bring home pay should be used for this guy. Your comments are greatly appreciated.