[bedrock]

Ratio? Here is a scenario, followed by my question:Individual 1 and Individual 2 are interested in buying a home and put both of their names on a $280,000 mortgage. They make settlement on the home, and one year later, Individual 2 decides that he would like to purchase an investment property. Will the lending entity for the investment property calculate Individual 2's debt-income ratio using the full $280,000 mortgage, or will they calculate it at $140,000 since the mortgage is essentially split?