Ahh that's interesting. I think I was looking at it in a different way -- as her additional income (and lack of additional debts) would provide a more favorable DTI. Thank you.

Thank you, I really appreciate the input. I'm not in a HCOL area, but you're correct, we do have a mortgage, a car payment, student loans, and a balance on a couple of cards which add up.

Going way beyond the DTI conversation, but I'm an early reservation holder for a Rivian vehicle and am locked into 2019 pricing for it. I'll be turning this around for a profit as these vehicles (used) have been reselling for 40-60K over original MSRP.

Thanks for the input! My wife has excellent credit and a reasonable income for the car she was buying. I just happen to make significantly more and our mortgage payment (which she is a co-signer on) would not be sustainable for her to take on alone plus her auto loan from the viewpoint of creditors. Without me in the picture, it looks as if she's paying most of her income to debt.

Thanks! Wasn't sure if there was some sort of standard, will do.