Will MHA refi those who can pay their current mortgage & have low DTI & just want a lower payment ?Will Making Home Affordable help those who can afford their current mortgages on their residence ?Will MHA include or exclude rental income&units in multi-unit residences towards DTI calculations ? I have 2 mortgages ($535k @ 5.625% & $215k @ 7.375% = $750k @ 6.14%) on my residence duplex & my total payments with prop tax & insurance = $5,600. Plus there's a $400 401k loan payment to myself for part of the down payment.My monthly gross income is $12,500 & the rental unit here gets $2,145.If in the best case for me MHA excludes rental income but includes rental units & 401k loans to self then my DTI ratio is 6000/12500 = 0.48 . If in an almost as good case for me MHA includes rental income & rental units & 401k loans to self then my DTI ratio is 6000/(12500+2145) = 0.40 . If in the worst case for me MHA excludes rental income & rental units & 401k loans then my DTI ratio is (5600 / 2 units) / 12500 = 0.22. Even though I can make my current payments I'm having difficulty refinancing due to the size of the loans & having below 25% or even 20% equity currently.Is MHA going to help me to refinance or are my payments considered too manageable ?May 08 2009 - Mission00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.