Max is applying for a personal loan for $15,000. The interest rate is 15% and the term is 48 months. Max has a mortgage payment each month of $1850, a car loan of $490 and 2 credit cards with a minimum monthly payment of $360. What is Maxs HTI and DTI in this loan scenario if he earns $7,500 a month? If the banks DTI limit is 36%, doe Max qualify for this loan? If not, what other options should he consider?