http://ts.realestate.com/blogs/tipsandtools/archive/2007/01/11/calculating-your-debt-to-income-ratio.aspxWhen you shop for a mortgage or other loan, one of the key factors a lender takes into consideration before granting approval is your debt-to-income ratio Your debt-to-income ratio is the ratio between how much you owe each month on personal debt andenCommunityServer 2008.5 SP2 (Debug Build: 40407.4157)