Debt-to-income ratio Tenancy in common Title 
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. There are two main options for taking title to a home with a co-buyer. How Does Co-Buying Work?
Redfin
JUNE 10, 2025
Impact on your debt-to-income ratio (DTI) : Even though splitting the mortgage with your friend can save you money, lenders will see the entire mortgage obligation as your sole responsibility. Tenancy in common (TIC) : TICs on the other hand, allow you to decide on equal or different percentages of ownership between each owner.
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