For instance, if you owe funds of $1,100 every month and your monthly revenue is $4,000, your debt-to-revenue ratio is $1,100 divided by $four,000 — that's 0.275 or 27.5%. So a few third of your revenue goes towards your money owed. Every bank checks your credit score rating when you apply for a mortgage. With FLEX Loans, it's easy to get funded and paying back is worry-free.