I can do DTI's on a primary residence purchase to 65% and sometimes higher depending on whether or not its a MyCommunity program. So, with that said, lets assume that PA has total housing expense at $10K and total reoccuring monthly bills in the $10,000 range, giving him a total monthly debt of $20K. Based on a 65% allowable DTI, he could make as little as $31,500 a month and get approved.
"Experience: that most brutal of teachers. But you learn, my God do you learn." C.S. Lewis
www.younglife.org