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2 articles tagged “residual income”
Most veterans hear '41% DTI' and assume that is the hard ceiling for a VA loan. It is not. The VA uses 41% as a trigger for additional scrutiny — not a line that ends the conversation. Here is what the DTI rule really means, how residual income changes the picture, and what Tampa Bay veterans with higher ratios can do.
VA loans run a qualifying test you won't find on any conventional mortgage: residual income. It measures how much money is left over after all debts are paid — and it can both tighten and loosen qualification in ways that surprise veterans. Here's how it works in Tampa Bay.
