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Navigating the world of loans and mortgages often involves a term that can feel like a gatekeeper: the Debt-to-Income ratio, or DTI. While lenders present it as a straightforward calculation, there are strategic insights and sometimes overlooked details that can significantly influence your borrowing power. Understanding these aspects can transform a potentially daunting process into an opportunity to secure better financial terms. This guide delves into the mechanics of DTI, revealing how to leverage this critical metric to your advantage.
