DTI helps lenders to determine how well you manage monthly debts and if you can afford to repay a loan.

To qualify for a Conventional Loan, your DTI has to be below 50%. On FHA Loans, DTI has to be Below 57%.

Monthly Debt (revolving monthly payments): mortgage payments, property expenses, taxes, insuranse, alimony, child support, student Loans, minimum card payments, car payment

Gross Monthly Income (before tax): employment, self-employment, rental income, military pay, pension,
social security