Second is all of your recurring monthly debt payments (PITI, auto loans, student loans, minimum credit card payments, etc.) divided by your monthly income.So, as an example (specific numbers would come from your lender): a lender may allow a maximum 33% for the first DTI calculation and maximum 45% for the second DTI calculation, and they will require that you are within both ranges for both ratios. 

Any advise on what to do next since I'm out of cash and with a few credit cards dept, nothing crazy but some.

(in-law suite)I am going to upload some outside shots from before and during.

As I already have a bank mortgage and currently lowered my credit score with poor choices and credit card debt from learning experiences or some call them mistakes lol. 

Now you have low interest and (more importantly) no fees.Another alternative is credit cards at zero interest.

The situation with the newbie wholesaler may be one where he is a wild card, just enough knowledge to be dangerous, both to himself and the people he deals with.

I still have to make trips downtown to pay water since they wont do a credit card or debit card over the phone.

Then they used those cards to purchase gift cards.

If I go to Lowes for cabinets, I either pay cash or Lowes credit card, which was issued AFTER a credit check.

If so, let Al Williamson know and you can get a Home Depot gift card!