Debt-to-Income (DTI) Ratio

[Ryan Wright]

Hello everyone. This is my first post to BP, and I have a question about DTI. I'm have a job that's higher paying than the one I will be going to, and my current DTI is low given I have a high-paying job, but my DTI will increase since my new job is lower paying. Getting approved for a loan is difficult given my current debts but have a lot of liquidity to offer. I was told banks do not consider liquid assets because I could "go to Vegas and blow it all". Is there a way around this? Is the income from my job the only way to get approved for a loan? I am married but my wife is is looking for a job and we cannot include her income on purchases....yet. I know I can pay cash, but I don't want to use that money because I can use this for other down payments on future purchases. Suggestions? Thanks for the help! Ryan