Myth: Debt‑to‑Income doesn’t matter. Truth: Lenders use your DTI (monthly debt ÷ gross income) to gauge affordability. Most prefer ≤ 36 % but some allow up to 45 % and FHA loans may accept 50 % . Example: $1 800 debts ÷ $5 000 income = 36 %. Improve your DTI: Pay down high‑interest credit cards, increase income, avoid new debt and explore FHA or low‑down‑payment conventional loans. Drop “DTI” for my free debt‑to‑income calculator. Follow @RichLivingEstates for Day 4/180! #DebtToIncome #HomeBuyi
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