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Bart,The Ch.7 was mainly filed due to my business failing (my business was adversely impacted by the housing market downturn). I wrapped up mainly business debt that was personally guarenteed and some personal debt as well. An investment property and auto loan were also included in the ch.7, but my primary residence that i still own was not. I have had the primary for 4.5 yrs and it has never been paid late. Does that sound like an extenuating circumstance worth consideration? Also, thanks Shane. The property we'd be purchasing is either in MD or DE. DTI shouldn't be an issue unless they would look at only my debt and not my income, which I have never heard of.
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