A loan applicant wants to refinance her primary residence. The applicant earns an annual salary of ss9, 000 . The monthly principal, interest, taxes and insurance (PITI) payment on her first, mortgage is a total of $2,150. The applicant also has a second mortgage that will not be refinanced and has a monthly payment arnount of 5225 per month. The applicant aiso has an automotile loan payment of $175 per month with 11 months remaining on the loan. What is the applicant's back-end qualifying ratio rounded to the nearest whole number