Classic. This joker works in the FRAUD DETECTION DEPARTMENT at Ameriquest, yet he somehow qualified for a DTI ratio of 90% ($36K/$40K) on his interest-only toxic voodoo loan. Even if you include the (unreported to the IRS I’m sure) rental income from his roommates, the DTI is still a 45%. Must have been a NINJA (No Income, No Job or Assets) loan!