(d) Debt-to-earnings ratio. A financial obligation-to-money ratio one to measures up the veteran’s forecast month-to-month construction debts and you may overall monthly premiums so you’re able to his or her secure monthly income will become calculated to assist in the latest comparison of prospective exposure of loan. , and you can any a lot of time-name debt split up of the total regarding gross paycheck or money or any other settlement or income.