what is the total debt service tds ratio 
the total debt service tds ratio total debt obligation divided by gross income is a financial metric that lenders use to determine whether or not to extend credit primarily in the mortgage industry to calculate the percentage of a prospective borrower s gross income already committed to debt obligations lenders consider all required payments for both housing and non housing bills the housing factor in the tds calculation includes everything paid for the home from mortgage payment real estate taxes and homeowners insurance to association dues and utilities the non housing factor includes everything else from auto loans student loans and credit card payments to child support and alimony 