Among the critical areas that mortgage lenders must pay close attention to in the CFPBs ability-to-repay, qualified mortgage rule is whats known as Appendix Q, which contains detailed underwriting guidance on how creditors must calculate the debt-to-income ratio in order to make a general QM loan subject to the 43 percent DTI limit. As adopted, Appendix Q generally requires items to be considered and verified for the two prior years, and requires well-documented projections for the following three years. However, on April 22...