5. Techniques for Improving your Obligations-to-Income Ratio When it comes to home equity, the ideal debt-to-income ratio is a crucial factor to consider. The debt-to-income ratio (DTI) is a financial metric, which lenders use to scale your capability to repay debts. It compares your monthly debt payments to your gross monthly income. A low DTI ratio is a good indication that you have a manageable level of debt, while a high DTI ratio shows loan […]