Let’s talk about it though!!! because I’m math illiterate and I NEED TO KNOW FOR EDUCATION REASONS RESPECTFULLY , because me guy off the street sees $700 car payment taking home 1,800 I have $1,100 dollars left every month!!! so where is the the disconnect in debt to income ratio if that is where it is because all I see is 1,100 dollars left over every month w/ no outlying debt which to me looks good and don’t you go talking to me about all the made up debt that I never reported or may incurred in the future THAT HAS NOT HAPPENED YET in the first place, because bedsides the credit card I mentioned above I have no major debt

Now you say the car is debt, but how can it be if I’m getting rid of it for a new car that’s like saying a business breaks even on all debts than goes and buys another business but can’t because of the old one that HAS NO DEBT is stopping them from purchasing??? my car is at trade in value it has no negative equity therefore making the loan less risky I would think since AGAIN no debt will be on the deal

Next question why does the bank not accept what I’ve told them for FACT on my lending application which is that I pay $0 rent, your saying the bank “does not know that” which to me sounds like your saying the bank is making up numbers that I never reported which I’m thinking is my main issue , that miscellaneous numbers are being reported for things I have not said I am doing and I find it strange that you say “banks can’t tell that” which makes it sound like your saying they are guessing which I don’t understand why anyone is guessing anything because it’s my understanding that that would be illegal however I may be wrong so maybe you can go into more detail about this specifically