Common Question...Do I have to count monthly debts paid for by my business against my debt-to-income-ratios while qualifying for a mortgage? Not necessarily, if the debt is in good standing and you can provide a minimum of 12 mo. cancelled checks from a Business bank account as well as proof that the debt is an expense on your filed business tax return, then yes this debt can be removed from your debt-to-income ratios to help with qualifying. The advantage is you may be able to qualify for a larger mortgage or higher loan payments. Perhaps you were looking to put down less cash and save it for a rainy day or to fix up the house. There are many reasons why this can work in your favor. Trust in a professional that can structure your loan to meet your individual needs. I would be happy to work with you!