what is a debt to income dti ratio 
a debt to income dti ratio is similar to a debt service coverage ratio although typically used in personal nonbusiness borrowing the dti ratio measures an individual s ability to service their debts by dividing their gross income by their debt obligations for the same time period for example someone who earns 5 000 a month and pays 2 000 a month on their mortgage will have a dti of 40 an acceptable dti will vary from lender to lender and according to the type of loan product 1