If you have student loans, a car loan, or credit card debt, you will be more likely to receive the loan if they focus on front-end DTI because it only spotlights the property. However, I have found that it is most common for lenders to focus on back-end DTI, which takes into account all debt in your name. However, be sure to talk to your lender. Depending on the loan type you receive, some of your projected rent may counter the debt.
