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All Forum Posts by: Lilly Fina

Lilly Fina has started 1 posts and replied 3 times.

General Landlording & Rental Properties

Post: Debt to income

Lilly FinaPosted
  • Posts 3
  • Votes 2
Quote from @Gustavo Delgado:

One of the 3 adults has a high DTI, what about the other two? How is their employment history, stable? Same job for at least the last 6 months? I would be more concerned about the brother in law potentially moving out mid-lease and leaving the couple. Can the couple make the lease without the brother in law?


 The other two. One is a nurse other works at Trader Joe’s . 

0 Votes
Seattle, Washington
General Landlording & Rental Properties

Post: Debt to income

Lilly FinaPosted
  • Posts 3
  • Votes 2
Quote from @Michael Smythe:

@Lilly Fina what is their history of living together that they can prove?

They have loved together in a town house for 2 years . 

0 Votes
Seattle, Washington
General Landlording & Rental Properties

Post: Debt to income

Lilly FinaPosted
  • Posts 3
  • Votes 2

do you factor in debt to income in your rental screening ? 

i set strict qualifications for my rental 3x income credit score of 700. 

A family (unmarried couple  , 2 kids and brother in law ) applied for my 4bdrm rental. They combined met the qualifications above for income and credit score . The couple  alone could not meet the 3x income to rent requirement but with the brother  in law they do .

When pulling the credit report one of the individuals has a high debt to equity ratio (50 %) 

My fear is what if this High DTI and credit usuage could result in one of the parties defaulting on future rent. Am I overthinking this ?

Would you pass on these applicants ? 

2 Votes
Seattle, Washington