Debt-to-Income Ratio (DTI)

DTI is the single most important income-side qualifying metric for a mortgage. Lenders calculate it as total monthly debt payments ÷ gross monthly income, expressed as a percentage. A $2,000 mortgage, $500 car payment, and $300 credit card minimum on $8,000 income = 35% DTI.

Conventional loans typically cap DTI at 43%–45%; some loan types (FHA, DSCR, non-QM) flex higher. Crypto-backed mortgages often evaluate asset strength alongside DTI, making them more forgiving for borrowers with strong balance sheets but variable income.

Why it matters for Milo customers

Milo's crypto-backed and self-custody mortgages can sidestep traditional DTI calculations by qualifying on crypto reserves instead of monthly income. This is critical for retirees, self-employed borrowers, and crypto-wealthy buyers with low W-2 income.

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