The borrower's name is Jane Q: Jane Q goes into a bank for a home equity line for $40K to consolidate $800 worth of monthly bills to $250. Jane Q looks like this on paper: Credit score: 773 Credit rating: R-1 on every credit report item Income: $140K+ Savings: Mid five figures IRA: Low six figure Primary residence: $250K equity in a $700K home Income property: 2 each, one is clear ($250K market value on each). Debt to income ratio: 44% Jane Q cannot get the home equity line against her rental that is clear due to the 44% DTI ratio. WTF? Are banks all become this tight?