Closing Debt-to-income ratio Tenancy in common 
Redfin
JUNE 10, 2025
Cons One person’s credit impacts everyone : Whether it’s one close friend or three college roommates, just one bad credit score can negatively affect the whole group’s rates, no matter how high your own score might be. This can reflect badly on your own credit score and make it harder to apply for future loans.
Windemere Buying
JULY 19, 2021
Just like a traditional home purchase, lenders use the buyers’ debt-to-income ratios and credit scores to determine their mortgage eligibility and formulate the terms of their loan. Tenancy in Common (TIC) When co-buyers hold a title as tenants in common, shares of the property can be divided equally or unequally.
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