By the way, my credit score is 750+.

Also, we have super high credit scores and should have no problem securing a loan.

So about  $1,650 a Month Multiply  $1,650 x .40% DTI =  $715Subtract from this a  $480 a month Mortgage payment  ( PITI )  +  $85 in Minimum Monthly Credit Card Payments (  one if  $40 minimum a month and the other one is $45 minimum monthly payment ) TOTAL =  $565  ( Monthly Debts The DTI Shows a MAX TOTAL you can Afford of  $715 a month $715 - $565 =  $150 So, the Minimum Payment on the 20 Year HELOC ( at a 7.15% Interest Rate , and Paying just Interest Only for the First 10 years  =  a Monthly Payment of right around  $120 $150  -  $120  =  $30 Left Over So this Shows that I should be able to get the HELOC , as I can Afford to make the Minimum Monthly Payment on the HELOC in the amount of  $115 a month I also Have a Good Enough Credit Score to have Qualified as well..... from what the Lender told me Is there anything I'm missing , that might stop me from qualifying from Getting this HELOC ?

This is incredibly hard task especially for my price range (under $160k).

This is incredibly hard task especially for my price range (under $160k).

I had the same income, the same credit score and I looked just as good as I did 2 years ago (JK).

They tend to be a little more generous with lower FICO scores and are more concerned with the analysis of the deal.

My credit score is 740 my monthly income is 11k.

I have credit score around 830.

Tenant rights are incredible here.Best,