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DeluxeXL t1_j6nfcgx wrote

>We are also trying to buy an expensive property and thus need to maximize our dept to income ratio for the mortgage application

Pretty sure you want to minimize DTI ratio to give more room to the new debt you're planning to take.

Is your wife taking on debts for the farm? Losses and debts don't mean the same thing.

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rambotron OP t1_j6nfux4 wrote

Sorry, minimize is correct. Losses are the crops. These are expenses. They shift my net income by over 10k.

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