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Thanks Dave, LOL!

That sounds very close to my situation. The refi prequal letters I've been getting all indicate a 40% DTI will get me the best rate. Based on my credit score and cash assets, I'm sure I can find a lender happy to do your "Magic" step.

So funny that I have to prove my ability to make a LOWER monthly mortgage payment than I've been successfully making these last few years.
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