I understand how you feel. You know what you can afford. However the way the industry figures DTI is the following.Take monthly gross x .41 ( may go up to .45 or higher with different programs or compensating factors)all of the minimum pmts due on credit report and the piti of the new home must fit into this. Usually the PITI must not go over about 32% of monthly gross. Child support must be figured in. Monthly gross cannot use overtime unless there has been a 3 yr history of it and then we would average it. If you have Commission sales, self employment income and rental property income... call me.