Debt to Income Ratio

[Anthony Pierre]

Hello Everyone!!!

I hope all is well. I have a couple questions about the calculation of the debt to income ratio for qualifying for loan..

I am currently living with my girlfriend and she pays for some of the household bills. I have some bills in my name but she pays a portion of it. There's also the monthly rent, both of us are on the lease and we do split the payments. We've been together for a few years now.

My question is; how would I calculate the debt to income ratio when I'm considered "single" when filing taxes but do divide some of the bills with the person I live with? 

Also, do I include the potential new mortgage amount when calculating the debt to income ratio?

Thanks in advanced,

Anthony D Pierre