DTI Edge Cases: Self-Employed, Co-Borrower, and RSU

Edge cases: DTI has 3 common edge cases that require special handling. This page covers the edge-cases for dti.

Edge cases: DTI has 3 common edge cases that require special handling. This page covers the unusual situations and how to handle them.

Edge cases: DTI has 3 common edge cases that require special handling. This page covers the unusual situations and how to handle them.

A common failure mode bookkeepers report is the dti edge case causing a denial. The fix: pre-flight check for the edge case before submission.

For the definition, see the dti definition. For the related pages, see: DTI mechanism | DTI application.

Edge Cases: Unusual Situations and Special Handling

Edge cases: DTI has 3 common edge cases that require special handling. This page covers the unusual situations and how to handle them.

Edge Case 1: Variable Income (Self-Employed)

For self-employed borrowers, income varies. The recon cutoff tool’s per-dti-variable-flag identifies the case and uses 2-year average.

Edge Case 2: Co-Borrower DTI. For co-borrower applications, DTI is combined. The recon cutoff tool’s per-dti-combined-flag identifies the case.

Edge Case 3: RSU and Stock-Based Compensation. For borrowers with RSU income, only the vesting portion counts. The recon cutoff tool’s per-dti-rsu-flag identifies the case.

3 Common Mistakes

Mistake 1: Confusing dti with similar attributes. The recon cutoff tool’s per-dti-debt-to-income-confusion-flag identifies this.

Mistake 2: Ignoring the edge cases. A common failure mode bookkeepers report is the dti edge case causing a denial. The recon cutoff tool’s per-dti-debt-to-income-edge-case-flag identifies this.

Mistake 3: Using generic examples instead of real values. The recon cutoff tool’s per-dti-debt-to-income-real-example-flag validates the values.

A common failure mode bookkeepers report is the dti edge case causing a denial. The fix: pre-flight check for the edge case before submission.

The Per-DTI Edge-Cases Workflow

The per-dti-debt-to-income-edge-cases workflow runs in 5 steps. The recon cutoff tool’s per-dti-debt-to-income-edge-cases-workflow generates the 5-step checklist.

Step 1: Identify the Case

The recon cutoff tool’s per-dti-debt-to-income-edge-cases-identification identifies the case.

Step 2: Apply the Edge-Cases

The recon cutoff tool’s per-dti-debt-to-income-edge-cases-application applies the edge-cases.

Step 3: Verify the Output

The recon cutoff tool’s per-dti-debt-to-income-edge-cases-verification verifies the result.

Step 4: Document the Result

The recon cutoff tool’s per-dti-debt-to-income-edge-cases-result-doc stores the documentation.

Step 5: Apply to the Use Case

The recon cutoff tool’s per-dti-debt-to-income-edge-cases-use-case-application applies the result.

For the definition, see the dti definition. For the related pages, see: DTI mechanism | DTI application. For the source context, see the bank statement converter guide.