What Forces Seasonality when you look at the Housing Marketplace? Have actually you ever sent applications for a personal bank loan just to learn you don’t qualify due to your debt-to-income ratio? It is an experience that is frustrating. You realize do not have sufficient money – that’s why you’ll need that loan! Happily, you can get that loan by having a high debt-to-income ratio. You merely need to comprehend your position and understand the best place to look.