I answered in a post on r/autism about my new special interest to the question: Can autism be seen with a MRI brain scan? I thought you guys would be interested aswell.
There is this Dti scan called tractography that is made using a MRI. Basically, a tractography will spot the movement of water molecules in your brain and with those movements, it is possible to group them together and detect what is called tracts. Those tracts, when grouped together, are what is reffered to as white matter.
In the brain, gray matter is responsible of processing information and the white matter is responsible of transporting the information to different parts of the brain and spine.
The white matter in our brain may hold the key to detecting autism. There was some studies done on the subject and the brain of someone with ASD "in general" has a different pattern of white matter. Those white matter tracts are said to be longer and less dense and would somehow explain the increase or decrease sensory sensitivity and the difficulty in changing task rapidly due to the length and density of the white matter.
The white matter would also be responsible to the severity of ASD symptoms. In infants, experts observed their white matter growth and came to the conclusion that the faster their white matter developped, the lesser symptoms they had. To summarize; fast growing white matter = less severe symptoms and slower growing white matter = more severe symptoms.
Something particular that experts noted is that some babies in an ASD study had what they call "big brain". Those babies with bigger brain had a more developped brain at birth but suffered from slower growing white matter. The result was that "big brain" babies were expected to be the most impacted by ASD in regards of the severity of symptoms (severe autism).
In a study, experts performed a tractography on a control group and an ASD group. They were able to detect 85% of the ASD group. 15% is still a huge percentage of error but the research on this particular field seems very promising and could be the future diagnosing method not just for ASD but for every neurological and neurodeveloppemental diagnosis.
The main problem with tractography is it's complexe nature. Identifying those white matter tracts is hard and not precise enough. There could be some false positive and some false negative because the direction of those tracts aren't linear. When there are thousands of tracts side by side going different directions, t
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We're under contract to buy a house from a family member, and our loan officer told us we should be good to be approved but I'm nervous about our current high DTI, we're just under 50% including the mortgage payments.
Normally we'd have a lower % but my husband is currently unemployed so only my income will be counting in the application. We're buying the house so we can relocate and be closer to family, it wasn't something we had planned to do, so our situation is far from ideal, but with the housing market being wild as it is it felt like a missed opportunity to let such a nice home go, specially one we'd be able to get off market.
We wanted to put only 3% down initially but because of the DTI our LO told us we would be better putting 5% down. He also told us we would only be able to get a conventional loan vs an FHA. Is that correct? We're ok with that but I'm still worried about getting denied.
Is there anything else we can do while we're in this stage to improve our chances?
Edited to add: the goal is definitely for my husband to get a job ASAP, but I don't know if we'll be able to secure employment for him before closing. I have no doubt we'll be able to make the monthly payments as we're currently paying more to rent than we'll be paying for the mortgage, but peace of mind and security is a top priority for me.
Questions above. Thanks!
I am on PSLF (75% complete!!), and my loan balance has ballooned as I make my payments through REPAYE. If you used a mortgage company that worked with you on student loan balances and DTI what company was it? I am trying to get a USDA Guaranteed Loan. Please help me see if I understand correctly how it could work (using fake numbers).
Monthly gross salary: $7000 / Monthly net salary: $5000
Rent: $1350
Loans: $175k / REPAYE: $300 (USDA would say I have to count $885 per month???)
CC1 Care Credit balance $985, monthly minimum $33
CC2 Discover balance $5000, monthly minimum $150
CC3 $5000 balance transfer, monthly minimum $150
Only other fixed expenses are utilities and streaming services.
Down payment: Hoping to use $0. Could tap my 401k if needed but trying to avoid that. Currently I have about $4k missing to cover all my current CC debt ,and I have about that much sitting in limbo and can provide documentation to prove that money will be given to me in the near future. I also have side gig income that I can incorporate if needed.
Side note: I just read that USDA won't accept anything but fixed payment plans or you count the greater of .50% of the balance or the current monthly payment. Is that true? Has anyone ever changed their student loan payment plan to qualify for USDA then changed it back? Other hacks to address high loan balances that don't reveal the true scenario to qualify for USDA?
My husband and I are looking to buy our first house soon (we hope). Every website explains what DTI is, but I can't find specifics on how to calculate it. What does/does not go into it?
Like they say credit card payments, but I pay off my cards every month. Do I use minimum payments? My student loans are in forbearance while I'm in school- do I still add in my expected monthly payments?
Any other mortgage/homebuying tips are welcome - thank you!
Looking to start the pre-approval process for home buying. I’m curious, for those who have gone through the process, what has your DTI looked like?
I know that they recommend 40% or less, but wanted to hear people’s experiences on having higher DTIs and getting approved. TÍA
We are a first year racing team from Jordan and we were thinking of using the HV-500 paired with the 228 e-motor, and we had a few doubts regarding the High Voltage Harness configuration of the HV-500.
To keep it short, these are the options given on the DTI website while on the Emrax datasheet (March 2020 version) the Input phase wire cross section is specified as 17mm^2 for the Medium Voltage configuration. Can anyone give us a clue on which connector to choose from on the controller side?
Also any help/suggestions regarding the High Voltage Harness of the HV-500 it would be much appreciated.
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Hello,
I'm going to refi my primary residence, I'm debating between a rate and term refi or cash out refi. My end goal is to invest in a small multifamily complex.
I have about $60k - $80k of my own in cash to invest, which should be enough to fund my first investment property. If I take cash out of my current home, I would get another $80k which I would save for my 2nd investment property, or possibly use some of it for my first property if needed.
I'm getting worried about being approved for an investment mortgage due to my debt-to-income ratio being slightly higher if I take cash out now. Is it better to have the $80k extra cash on hand, but have a slightly worse DTI, or have a better DTI with no cash out?
Also, how soon after refinancing my primary residence will I be eligible to shop around for a mortgage for an investment property?
Thanks.
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Hello! Within the next year, my girlfriend and I are looking into purchasing a home. I have a few questions but here's a little information.
The house would be in rural Oregon. We both make about 25k a year so 50k combined. We both have $2500 in student loans with a monthly payment of $50 each. ($100 total) We both have car payments. Hers is $200 and mines $280. We can both get our cars refinanced to a lower payment but we want to pay them off quickly and are ahead of schedule. We both have high credit scores. Mines 790 and hers is 730 We currently pay $1200 in rent.
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Is it reasonable to be able to afford a house? Our monthly income combined is about 3500 after taxes and Healthcare.
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What do yall pay per month if you bought in oregon? We are looking for just a starter home and trying not to spend more than 320k.
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We only would have 3.5% down. I heard that's the absolute minimum and you cannot go lower, is this true? This also makes you have PMI which is a bummer but we do not have 60k for a 20% down payment and would most likely never have close to that .
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Should we target paying off our student debts, or put that money we would spend on our student debt and put it towards making thr 3.5% down payment?
Thanks for any and all information!
edit did the math wrong because I was on break in a hurry to post. I actually make 37k a year and she makes around 28k. 65k total.
Was wondering this question. Say my current PITI is $1800 and after house hacking I get $2000 from tenants. Does rental income count as Net $200 or Gross $2000 towards my income when applying for a second mortgage?
Do lenders consider whether I can cover my previous property by that net/gross number when approving my second mortgage?
I'm trying to figure out what is OK to spend on a house and car. I don't have many peers that can help therefore am here asking for advice.
Monthly expenses including average costs for everything (even vacations and hobbies) through the year is around 7k a month.
The house we are looking at will be around 1.7 million, or 8100 a month (taxes, insurance, hoa included).
Total GROSS income is about 27,000 per month (9500 debt a month with cars).
Therefore our DTI is around 35% with our cars and potential house, and our savings will be around 2k a month while maxing out our 401ks and IRA. We want kids as well.
Although our DTI seems OK, this clearly goes above the rules like "only spend 2-4x your income on a house".
Am I missing something here? Do these rules just not apply to higher incomes? I'm clueless and new to this.
The only issue I can see right now is that we won't be able to invest as much cash into stocks or frivolously spend on entertainment or hobbies. I suppose this could be called an opportunity cost to make even more money, assuming we are good at stonks.
I’ve noticed the Debt to Income Ratio (aka Total Obligation Ratio if I’m not mistaken, please correct me if I’m wrong), be calculated in BOTH of the following ways:
(PITI+Total Monthly Debt)/Gross Monthly Income
AND
Total Monthly Debt/Gross Monthly Income
Which is the correct formula that I will see on the test? Will I see both formulas? If so, how do I know which one to use?
Many thanks in advance.
