Annual Income - $ 149,774.24

Property Tax - $ 291.95

Heating - $345.14

Principal -$20301.63

Interest -$20907.01

Using these information above, calculate

1. Total monthly GDS expenses

2. GDS Ratio as a %

3. Do they qualify for GDS? If NO, Calculate the annual income required to qualify based on GDS.

4. If you have a consumer debt servicing in the amount of 749.11 per month, what is the TDS ratio as a % and the monthly TDS expense? Do they qualify for TDS? If NO, What is the annual income required to qualify based on TDS.