Rimi currently earns $2,500 per month. She has the following monthly debt payment expenses: $75 for credit cards, $125 for student loans, and a $235 car payment. She is looking to buy a house. The monthly mortgage, including principal, insurance, and taxes, is $900. Does Rimi meet the FHA total fixed payments-to-income ratio guideline? Yes, because her ratio is less than 41% No, because her ratio is higher than 41% No, because her ratio is higher than 31% Yes, because her ratio is less than 31%