dʒˈɛnɚɹəli spˈiːkɪŋ, lˈɛndɚz duːnˌɑːt lˈaɪk tə sˈiː ˈɔːl əvə bˈɑːɹoʊɚz dˈɛt pˈeɪmənts ɪŋklˈuːdɪŋ pɹˈɑːpɚɾi ɛkspˈɛnsᵻz ɛksˈiːd ɚɹˈaʊnd fˈoːɹɾi pɚsˈɛnt ʌv tˈoʊɾəl mˈʌnθli pɹɪtˈæks ˈɪŋkʌm.
Generally speaking, lenders do not like to see all of a borrower's debt payments (including property expenses) exceed around 40% of total monthly pretax income.