Declare 28-36 Debt-to-Income [DTI] Qualifications to underwrite mortgages in default facilitating mark-to-market holdings for Financial Institutions. Those homeowners who cannot qualify for at least 75% of what they originally borrowed under 28-36 DTI, sign Deeds-in-lieu of Foreclosure for lease-purchase agreements with note holder(s) at fair market rent with purchase rights at today’s market value (market value is based on others in market who can qualify under 28-36 DTI).…