STEP 1

 - complete the best you can

 - type 40 for front ratio

 - type 45 for back ratio

   "select NEXT"

STEP 2

 - use be gross income

   (pre-taxed)

   "select NEXT"

STEP 3

 - complete the best you can

 - leave "other" blank

    "select NEXT"

STEP 4

 - complete the best you can

 - if you don't know

      . taxes are ~ 2.50% of purchase price

      . insurance is ~1% of purchase price

    "select CALCULATE"

** for help completing this section email or call **