Your credit score gets all the attention — but your debt-to-income ratio is the number that actually controls how much house you can buy. In this episode of The Property Professor, you’ll learn exactly what DTI is, how lenders calculate it, the verified 2026 limits by loan type (conventional, FHA, VA, USDA), and the specific moves you can make right now to improve yours before you apply.
If you’ve ever wondered why a lender approved you for less than you expected — or didn’t approve you at all — this episode answers that question. Head to thepropertyprofessor.blog or book a call to run your specific numbers.
Runtime: 6:23 · Sources: The Mortgage Reports, FHA Lenders Network, Zeitro, Rocket Mortgage (all 2026). Educational content from a licensed mortgage loan originator; not financial advice for your specific situation. Speak with your lender about your numbers.
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