There are 1% deals in every market, maybe only excluding Manhattan and the SF peninsula.

I have 2 cars that we are trying to exclude the payment from for dti ratios.One was owned at $852 monthly payment (this was refinanced to remove borrower from the loan)this one is giving me a problem because they are asking for payoff but honda is saying they take up to 10 days to be able to send it.Any guidance on a way to get this closed sooner would be great, seller is on a tight timeline.Second one is a lease that we have had approval to terminate (for $2600 fee) and then that one would be excluded.

Just divide their purchase price by their gross heated square feet excluding garages. 

So if you are married, the first $500,000 is excludable.  

.** Excluding sub $100K units from Jerome Ave., Plimpton Ave., and Anderson Ave.Assuming your unit's value is consistent with the average unit sale, you'd have a roughly $90,000 gross profit. 

Would that exclude it from the DTI calculation?

I manually looked at all of the listings in order to find and exclude homes with significant improvements.

I have a unit where we also boat store and have a garage and that is specifically excluded from the rental.

To exclude capital gains under the Section 121 exclusion, you must have lived in the property as your primary residence for 2 of the last 5 years.

Since you and your wife lived in the condo until September 2021, you can sell it and potentially exclude up to $500,000 in capital gains (as a couple) if sold before September 2024.