Practice Debt-to-Income Ratio Calculator: 2026 Lending Requirements

What to do with your result

If your calculated DTI falls at or below 43%, you meet the standard threshold for SBA 7(a) loans and conventional bank financing for medical practice acquisition and working capital. The next step is to verify your actual rate with a soft-pull credit check—your final rate depends on your credit score, collateral offered, and loan term.

What changes your DTI

• Loan term: Longer terms (e.g., 120 months for acquisition financing vs. 84 months) spread payments smaller, lowering your monthly obligation and DTI.
• Existing debt payoff: Eliminating credit cards, auto loans, or student loans before applying reduces your baseline debt payment, freeing room in your ratio.
• Down payment size: A larger down payment reduces the loan principal, which lowers your monthly payment and DTI.
• Credit score: Borrowers with scores above 700 typically qualify for lower rates and longer terms, both reducing DTI impact.
• Co-applicant or co-signer: Adding a spouse or partner with separate income increases your household's total qualifying income, improving your ratio.

How to use this calculator

• Monthly gross income: Enter your personal W-2 income, plus any verifiable side income or partner income you plan to count. Do not include practice revenue you haven't earned yet.
• Existing monthly debt: Add up all minimum payments—student loans (even if deferred), credit cards, auto loans, personal lines of credit, and any business debt. Most lenders include these regardless of status.
• Loan payment: The calculator shows the monthly payment for your requested practice loan. Lenders add this to your existing debt to compute DTI.
• DTI result: Divide total monthly debt (existing + new loan payment) by gross monthly income. A result of 43% or lower typically qualifies; higher DTI may require compensating factors.
• Next step: If your DTI is workable, request a rate quote to lock in your actual monthly payment and confirm approval odds.

Bottom line

DTI is a hard floor for most lenders—too high, and you'll be denied or asked for a larger down payment or co-signer. Adjust your loan term, pay down existing debt, or increase income before applying if you're above 43%.