# DTI levers mini-card

**Mortgage Dorks Season 1**
**Course:** The Glossary - Learn the Language
**Lesson:** DTI Without the Eye-Glaze
**Format:** Reference card

## Use This For

Make debt-to-income simple enough to explain without making it wrong.

## Artifact Contents

- Income lever: usable income, not gross confidence.
- Payment lever: rate, taxes, insurance, HOA, loan amount.
- Debt lever: payoff, exclusion, omit only when rules allow.

## How To Use It

- Write a one-paragraph DTI explanation for a borrower.
- Circle the one lever that would most likely help a current file.

## Guardrail

Use this as education and workflow support, not as an approval, legal, tax, or financial-advice shortcut.