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This guide discusses combining tables from the same workbook only, not external sources or multiple workbooks. Make sure all the datasets you want to append are formatted as Excel ...

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Many lenders look for a DTI of up to 43%. In fact, for a mortgage to be eligible to be guaranteed by Freddie Mac, Fannie Mae, FHA, the VA, or USDA, borrowers must have a monthly DTI of 43% or less.