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DTA vs. DTI — This is why most people get denied. You don’t want a debt-to-income ratio (DTI. That’s what employees have — W2 income. And that’s why most employers, most workers, most everyday labor-based people get denied. Because a DTI means your income is capped, controlled, and already accounted for. Banks see you as “limited.” What you want is a debt-to-asset ratio (DTA). Assets don’t cap. Assets produce cash flow. Assets show experience, risk tolerance, and capacity to manage more debt. DT
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