For example, when you owe funds of $1,100 each month and your monthly earnings is $four,000, your debt-to-revenue ratio is $1,a hundred divided by $4,000 — that's 0.275 or 27.5%. So a few third of your revenue goes toward your money owed. Each bank checks your credit rating when you apply for a mortgage. With FLEX Loans, it's easy to get funded and paying again is fear-free.