FINANCE
Below 580 FICO? Lenders check this first.
It's not your payment history.
The Debt-to-Income (DTI) Ratio
Lenders divide your monthly debt payments by your gross monthly income. Most have a strict percentage cutoff for approval.
The 43% DTI Rejection Threshold
For sub-580 scores, a ratio above 43% is a primary rejection trigger. Specific strategies can lower this number.
Calculate and improve your ratio
The full guide details how to calculate DTI and lists lenders with flexible criteria.
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