Debt-to-Income Calculator
Calculate your DTI ratio to understand your loan qualification potential and borrowing capacity.
Monthly Income
Total Monthly Income$12,000
Proposed Housing Payment
Include principal, interest, taxes, and insurance
Monthly Debts
Total Monthly Debts$1,000
Excellent DTI
Excellent! Your DTI is well within lending guidelines.
Front-End DTI
20.8%
Housing costs only (recommended: ≤28%)
Back-End DTI
29.2%
All debts included (recommended: ≤43%)
Income Allocation
- Housing
- Other Debts
- Remaining
Financial Summary
Total Monthly Income$12,000
Housing Payment$2,500
Other Monthly Debts$1,000
Total Monthly Obligations$3,500
Max Affordable Payment (43% DTI)$4,160
Remaining Borrowing Capacity$1,660
DTI Guidelines
- ≤36%: Excellent - Best rates and terms available
- 37-43%: Good - Qualifies for most conventional loans
- 44-50%: Fair - May need compensating factors
- >50%: High risk - Consider debt reduction strategies
Ready to Get Pre-Approved?
Our DSCR loans focus on property cash flow, not your personal DTI. See if you qualify today.
Check DSCR Eligibility