I've read conflicting reports about whether underwriters count RSUs as income, how this affects the debt-to-income (DTI) ratio calculation, and so on. I was curious if any Bogleheads had experience with this recently.
If you applied for a loan, and RSUs were considered:
- Was there a limit to how much RSU income was considered? I've read that no more than 35% of total income may come from RSUs.
- At what stock price? 52 week low?
- What historical and forward-looking data was required? Past three years of RSU income and next three years vesting schedule?