The Number That Can Make or Break Your Approval

Friend, I have seen women making good money still feel stuck. The reason is usually debt to income ratio. It is not how much you make. It is how much you owe monthly.

How To Calculate It

Add up:
Car payment
Student loans
Credit card minimums
Personal loans

Divide that by your gross monthly income and that percentage is what lenders evaluate.

What You Can Do About It

If your ratio is high:

• Pay off small balances to eliminate monthly payments.
• Avoid financing new furniture.
• Delay large purchases before approval.
• Increase income documentation if possible.

Even paying off one small credit card can change approval numbers significantly.

Why This Matters for Single Mothers

With one income, margin matters more. You need breathing room, we do not want you house poor. We want you stable.

This is your gentle reminder that you can create margin in your life so you can build securely.

Sis, Stop Renting.