However, I’m a bit confused on what underwriters consider income when calculating DTI.

A simple DSCR (rent/PITIA) calculation can be an easy way to evaluate the property if you are doing that type of loan.

That consists of buying a single family home with some form of separate living space to rent out as a STR and help offset living expenses.The DownsideLenders Calculate STR/MTR Rental Income Differently- From a lender's perspective, any rental income received on a term less than 12 months is NOT calculated the same way a traditional long term rental is.

TIA for any guidance and considerations.  1)  I'm having difficulty finding a HELOC amortization calculator. 

Leverage can be a great thing but its a calculated risk , and a lot of people put too much faith on the upside and little consideration  for the downside .

Anyone have an idea of whether this is a mistake in the book or my/Google's calculations?

Debtor must clearly phrase their request to obtain: the source of a debt and the amount a bad debt buyer paid for plaintiff’s debt; how amount sought was calculated; where in issue a list of reports to credit bureaus; and documents conferring authority on third party to collect debt.Documentation of the creation of the debt with your collection agency.Under FDCPA Section 809 (b), you are not allowed to pursue collection activity until the debt is validated.

View report*This link comes directly from our calculators, based on information input by the member who posted.Looking for a bit of assistance on this not sure if i calculated the holding cost correctly  and other factor.

I found a calculator but it won't work on my iphone.

However 2 things to note: 1) DSCR loans for future investment property acquisitions do not care about your DTI (DTI only really matters when buying a new primary or any time you are using a Fannie/Freddie/Ginnie loan).  2) After 12 months of proof of someone else paying it for you, you may be able to omit it from your DTI calculation.