How does a Multi-1003 loan with Non-Occupying Co-Borrower effect DTI?

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For Multi 1003 loans with Non-Occupying Co-Borrower(s), the DTI Ratio for Fannie Mae will match the one for Freddie Mac. This means that non-primary borrower's debt and income should be included in calculation like they are for Freddie Mac. The primary loan application marks subject property as primary residence. The secondary loan app is added and marks the subject property as investment or secondary/vacation home, which is also included in the calculation.


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