1. The Warners, a family of four, live in one of the states in the VA's West region. They've found an 1,800-square-foot home, and they want a $200,000 VA loan, with monthly payments of $1,600. Their monthly income is $5,000. Aside from their housing expense, their monthly obligations consist of a $200 student loan payment and a $300 car payment. Do they qualify for the loan they want under the maximum income ratio test used for VA loans? 2. Now assume that the following amounts are withheld from the Warners' earnings each month: $900 for federal income tax, $200 for state income tax, and $400 for Social Security and Medicare. Their estimated monthly maintenance and utility amount is $252. What is their residual income? Do the Warners qualify for the loan under the residual income test? 3. Given their residual income, can the Warners qualify for the loan without compensating factors