TDS and GDS Qualifications Total Debt Service (TDS) Gross Debt Services GDS Your gross debt service (GDS) ratio is your housing costs divided by pre-tax income.  Your total debt service (TDS) ratio includes payments on any other debts you may owe. Most A Lenders have a GDS 39% TDS 42% rule up to 44% on a 700 Beacon Score. New rules abide us to qualify using Stress Test for all High Rati...Read More