High DTI and No Cosigner? This New FHA Rule Changes Everything

A new FHA rule lets you use rent from a roommate or family to help you qualify for a mortgage—without a cosigner. Here’s how it works and how to get the paperwork right and improve your debt-to-income (DTI) ratio.

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⏱ **CHAPTERS**
00:00 Why Lenders Say “No” Even When You Pay Rent Easily
01:21 Ways To Lower Your DTI (And Boost Buying Power)
02:00 How Roommate, Family Or Partner Income Could Help You Qualify
02:24 Boarder Income New? (Nope—Here’s The History)
03:29 Big Fha Change That Make A Boarder Income Strategy Work
03:55 Real Buyer Example: $165k More Purchasing Power
05:20 Case Study: No Cosigner, No Problem, $85k Boost To Buying Power
05:49 Househackers Can Use This Strategy Too
06:12 4 Things You Must Prove To Use Boarder Income
07:18 Timeline Tips: Planning Ahead Is Everything
08:02 3 Game-Changing Scenarios Where Boarder Income Can Help
09:13 Follow This Checklist To Get Approved
12:20 Want A Custom Strategy? Here’s How To Reach Out

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