Keys & Gears | Your DTI Is the Problem

Debt-to-income ratio (DTI) is one of the most important numbers in the home-buying process — and one of the least understood. In this episode of Keys & Gears, we break down how DTI really works, why lenders rely on it so heavily, and how it can stop a deal before it ever begins.

We explain what income actually counts on paper, how your monthly debt impacts buying power, and why checking your DTI early gives you options instead of surprises. If you’re thinking about buying a home in the next 6–12 months, this episode helps you assess whether your DTI is where it needs to be — and what to do if it’s not.

This is about planning early, understanding the numbers, and putting yourself in position to buy with confidence.

What is Keys & Gears ?

Where real estate meets real life. Bess Dickson and Mark Liesner drop the gears behind how to snag the keys, to your dream home, smartest investments and your life well lived. Expect unfiltered insight, expert strategy not typically shared all mixed with a heavy dose of fun.