#TwoforTuesday – So many people fall into this trap and attempt to qualify a client with 10 payments or less and omit that debt. Make sure you do make sure that the payment is 5% or less of the overall income of the borrower. If it is, and has 10 months or less that’s when you can omit that debt. Revolving accounts that are paid off monthly are also a good one, yes, you can omit those. As long as you can prove that every single month for the last 12 months the client paid off, completely.
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