Debt-to-Earnings Proportion Calculator The debt-to-Income Proportion Can make or Split a mortgage Your credit rating was higher therefore constantly pay their expenses promptly – you have no trouble getting home financing, correct? Never. The debt-to-income proportion, or DTI, are a way of measuring the debt because getting a va loan it makes reference to your own income. So it contour, perhaps not your credit rating, ‘s the matter-one concern regarding lenders about whether to accept mortgage brokers.