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Your debt isn’t the problem. That’s not why you can’t buy a house. This is. It’s your debt-to-income ratio (DTI). And you probably don’t even know what yours is. But you need to figure it out TODAY. It’s what determines if you get approved, AND for how much. Here’s how to calculate it: 1.\tAdd up all your minimum monthly payments (student loans, credit cards, car payments, personal loans aka the minimum monthly payments for everything on your credit report) \t 2.\tDivide by your MONTHLY gross in
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