I am not sure if I am figuring out my DTI ratio correctly?

[WinnielovesKevin]

I am using calculators online. On my rent/mortgage I have a roommate so do I put in what the full amount of the rent is or do I put in the portion that I pay? How do banks look at DTI when the person has a roommate but lease doesn't really say one person pays half and the other person pays half it just lists the full amount of the rent?

 

If I put in half of the rent (which is the portion I pay) It has my DTI at 17% but if I put the full amount of rent it bumps my DTI up to 31% so just wondering how banks and other financial organizations look at this?

 

 

Thanks

[shifter]

not sure why you're concerned.

 

nobody looks at DTI except for a mortgage and since you're moving, your current rent won't count.