Here is an article that goes into DTI and what factors influence it.However, the fastest way to get your questions answered, and/or to find out how much you qualify for, would be to speak with a lender.

The list includes:Demand in the market & factors that influence said demandLocation of the propertyPhysical condition of the propertyIts proximity to youEach of those has many sub-factors.

I’ve been influenced by Dave Ramsey and paid off mine.

I wanted to see If I did any capital expenditures how much that would influence my bottom line. 

This house has no equity and is in a volatile market that is heavily influenced by oil and gas prices in west Texas.

This would by far be our largest client and would heavily influence the growth of our business.

There is nothing the State Government can do to directly influence appraisers. and thank God for that!

From an investment standpoint, I view the share price, like any other publicly traded equity, as mostly influenced by investor sentiment. 

Especially if there isn’t anyone in your own sphere of influence that’s looking to buy or sell.

Also you should read how to win friends and influence people by dale carnegie!