Can we use JUST one spouse’ income to qualify for the loan and leave off spouse and their debts, to get the DTI lower?

It depends on the state in which you are located. In community property states, both spouses debts must be factored into the DTI calculation. We would need to examine your specific variables in order to determine if that makes the most sense to do.

You can schedule a call with your Success Coordinator here: https://go.oncehub.com/abc-general-support