It's DTI, LTV, CLTV (if there is a second lien..3rd lien etc.)When I used the phrase "most lenders will", I am referring to the practice of having a borrower freeze open credit lines (some refer to it as collapsing the line) ...., that is what they will require if at maximum extension of available credit, a borrower does not meet the capacity to repay test, due to DTI being too high.  

The financial collapse was the best thing to ever happen to Oak Park.

We discovered that most of the old cedar & roofing debris was left in the attic & the weight was starting to collapse one of the ceilings.

Colleen - this tree is past the stage where it could get any worse - the only thing left is collapse.

The Big Short' by Michael Lewis tells the story of the run up and the collapse - I pretty much believe it.

I was the one who assisted him in reflecting on the situation to determine that he was in a pattern that would ultimately collapse in on him.

The great credit crisis hit our country in late 2008, causing a severe collapse in both the residential and commercial real estate markets.

It seems that my homeowner's does have a clause that covers some aspects of construction, specifically "collapse" which is exactly what happened.

He cites that the housing collapse a few years ago is partly because of irresponsible lending.

Please.........I made a fortune off those fools when the market collapsed as they gave away their properties and went bankrupt.Be patient.