That's not how it works.

To get the maximum DTI of 45%, you need following

(1) excellent credit score  (2) enough income; AND (3) meet the reserve requirement. 

You cannot quit your job and lose (2) in order to meet (3).  They needs to be true at the same time. 

see. https://selling-guide.fanniemae.com/Selling-Guide/Origination-thru-Closing/Subpart-B3-Underwriting-Borrowers/Chapter-B3-6-Liability-Assessment/1032992131/B3-6-02-Debt-to-Income-Ratios-02-05-2020.htm

"For manually underwritten loans, Fannie Mae’s maximum total DTI ratio is 36% of the borrower’s stable monthly income. The maximum can be exceeded up to 45% if the borrower meets the credit score and reserve requirements reflected in the Eligibility Matrix." 

所有跟帖： 

• right -pangpangxiongxiong- ♀ (0 bytes) () 02/09/2022 postreply 07:13:55

• 多谢您详细的解释。不知这种情况有没有什么解决办法的，还是没希望了 -doudousha- ♀ (267 bytes) () 02/09/2022 postreply 08:40:11

• Probably six month reserve? -柠檬椰子汁- ♂ (217 bytes) () 02/09/2022 postreply 08:54:50