Underwriting

DTI

status: draft

Debt-to-income ratio. A borrower-level measure comparing debt obligations to income.

What to watch

In consumer assets, capital providers care about how DTI is verified, capped, and refreshed when borrowers refinance or modify loans.

Referenced in 27 topics

Agency RMBS asset-classes Collateral analytics checklist appendix Deal autopsy: why deals fail playbooks DSCR investor loans asset-classes Due diligence question bank documentation Forward flow agreements structures Home equity and helocs asset-classes How ABF works (5-minute overview) foundations Loan tape fundamentals accounting-valuation Marketplace lending and fintech-originated asset-classes Non-agency RMBS / non-QM / investor-purpose asset-classes Non-performing loans (NPL) asset-classes Ongoing portfolio management (capital provider) playbooks Other counterparties counterparties Personal / unsecured consumer loans asset-classes Preparing your data room playbooks Prime jumbo asset-classes Reps, warranties, and enforcement documentation Risk retention rules legal Solar / renewable energy (PACE, PPA, solar loan) asset-classes Structural terms negotiation playbooks Student loans (federal and private) asset-classes The originator's readiness assessment playbooks Timeshare receivables asset-classes Top originator mistakes playbooks Workouts, restructuring, and enforcement lifecycle-events Your loan tape: what lenders actually look at playbooks