How We Made the DTI Work: A Real Success Story

When Everyone Else Said No

Maria came to us after being turned down by three different lenders. Her situation? A 52% debt-to-income ratio. In the traditional lending world, that's an automatic rejection. Most loan officers would have said "I can't help you" or "Yeah, but your DTI is too high."

But at NorthStar Funding, we don't believe in "I can't." We believe in "How can I?"

The Simple Philosophy That Changes Everything

My father taught me something years ago that I've carried with me through every loan file: Never say "I can't" or "Yeah, but." Instead, ask "How can I?"

It's a simple shift in thinking, but it changes everything. When you approach a problem looking for solutions instead of barriers, you find them.

Maria's Story

Maria was a successful real estate agent. She had been in the business for 12 years, consistently earning $180,000+ per year. But here's the thing about real estate agents – their income is irregular. Some months are great, others are slow. And Maria had made some investments in her business that showed up as debt on her credit report.

When we looked at her file, we saw what other lenders saw: a 52% DTI. But we also asked ourselves: "How can we make this work?"

Finding the Solution

Here's what we discovered:

**Bank Statement Analysis**: Maria's bank statements told a different story than her tax returns. Her deposits showed consistent, strong income that wasn't fully reflected in her tax filings due to legitimate business deductions.

**Asset Consideration**: Maria had significant savings and investments. By using an asset depletion calculation, we could demonstrate additional qualifying income.

**Debt Restructuring**: Some of Maria's "debt" was actually business credit that could be excluded from the DTI calculation with proper documentation.

**The Right Loan Program**: We matched Maria with a bank statement loan program that used 12 months of deposits rather than tax returns.

The Result

Maria closed on her home 45 days later. Her effective DTI under our program? 41%. Well within guidelines.

The difference wasn't magic. It was mindset. We asked "How can I?" instead of "I can't."

What This Means for You

If you've been told no, if you've heard "your DTI is too high" or "your income documentation doesn't work," don't give up. There might be a solution that other lenders haven't explored.

At NorthStar Funding, we specialize in finding those solutions. We look at the whole picture, not just the numbers on a standard application.

Ready to hear "yes" instead of "no"? Give us a call at (800) 917-1595 or start your quote online. Let us ask "How can I?" for you.

Names and some details have been changed to protect client privacy, but the story is real.