I’ve spent a bit of time searching for DTI advice that takes into consideration high/lower earners and number of dependents. It seems obvious that a 50% DTI on 70k salary with three dependents (partner, two kids) which leaves you with $2900/mo before taxes is far different that a doctor making 500k living alone with $21,000/mo left over. If we are buying a home and using the 30% of your monthly gross rule, which scenario is this suited for? Perhaps in the current economy, this 30% rule needs rethinking.