Given a loan applicants gross monthly income of $3,200. a monthly mortgage payment of $800, monthly car payment of 5300 monthly property tax of 5100 monthly property insurance of llowable total debt ratio of 36, and an allowable mortgage debt ratio of 28. the applicant would quality by 1. the total debt ratio only 2. neither ratio both the mortgage debt and total debt ratios. 4.the mortgage debt ratio only