No, because you are not required to contribute to Roth IRA.

The "D" in "DTI" only includes the absolute minimum obligations.

Of course not. They’re an asset, not a debt or liability. Any continuing monthly investment is entirely discretionary.

No. It's just an asset.

You may find these links helpful:

• Retirement Accounts
• "How to handle $"

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Don’t buy a house, you aren’t ready.

This is a very basic personal finance concept, and you didn’t know the answer. No shame, but work on educating yourself first before taking on a mountain of debt as the economy heads downhill