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Types of Monthly Debt Obligations Included in DTI Ratio. Not all payments should be used when calculating your debt to income ratio. For instance, utilities, cell phone bills, and car insurance are not included in your DTI ratio. Here is a list of the types of debt payments that should be included. Mortgage payment; Total property taxes divided.
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Being able to quickly assess the house payment is crucial for key. so don't forget to include your monthly liabilities when calculating DTI.
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