With your Annual Income of: $135444.71 and the figures you already determined for a Stress Tested Monthly Mortgage Payment, and Property Tax of \$, calculate Gross Debt Service Ratio. Assume the cost of heating the home will be $201.85. Do you qualify to purchase this home based on GDS Ratio? If not, what is the income that you would require? Part 2 If you have consumer debt servicing in the amount of $1032.63 per month. What is the the TDS ratio? Do you qualify for the purchase based on this number? If no, what is the income required to qualify? - Total Monthly TDS Expenses - TDS Ratio as a % | ie: 3.45\% - Do they Qualify on TDS