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Debt-to-income ratio	Percentages lenders use to decide whether a loan applicant can afford to make payments on a certain mortgage loan. Lenders may allow first-time home-buyers to use 33\% of monthly income for housing costs, and a total of 38\% for housing costs and all other debt.

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Existing well and septic; Half Mile South of Columbia on Meridian Rd W side of hwy

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