Step 3 of 4 — Debt Ratio

How does the monthly picture fit together?

List your debts, toggle "roll it in?" on any of them, and watch what it does to your monthly cash flow — the money freed up, the debts gone, the interest trap, and the ratio a lender reads. The tool builds the loan for you, so nothing's due at closing. On a VA loan it also shows residual income — the money-left-over test VA reads alongside the ratio.