ATR for Self Employed

Employee at a bank ($192MUSA)

When calculating the ATR for a self-employed borrower on a personal loan, can you use the DSC coverage instead of the DTI? Of course we would still get the supporting documentation the same as with the DTI.

    QM ATR Worksheet (not small creditor)

    SVP at a bank ($561MUSA)

    This is an expansion of an ATR Worksheet that I found on this site. It includes items needed as a large creditor. Some fields have drop down lists. We are using it in our centralized documentation area to verify that all steps have been taken. There is a separate financial analysis that is not included.
    Fields are protected - password ATRchecklist.