No.
You are a prime candidate for a sizeable loan. They want your interest payments 
. Top tier is 780 or 800 so some lenders may hold back on giving you their best rate.
@Thomas_Thumb wrote:No.
You are a prime candidate for a sizeable loan. They want your interest payments
^^^^ This
@CreditPoor wrote:My DTI is about 7% with 6 figure salary and FICO score of around 760 across all 3 bureaus. Just wondering if banks have a threshold of what they consider too low of a DTI and deem you not profitable
The lower your DTI the better. There is no such thing as too low.
@CreditPoor wrote:My DTI is about 7% with 6 figure salary and FICO score of around 760 across all 3 bureaus. Just wondering if banks have a threshold of what they consider too low of a DTI and deem you not profitable
How are you calculating your DTI?
@CreditPoor wrote:My DTI is about 7% with 6 figure salary and FICO score of around 760 across all 3 bureaus. Just wondering if banks have a threshold of what they consider too low of a DTI and deem you not profitable
some credit card lenders might not like if there's very limited shown usage of your cards (even just PIF usage) and a small group of smaller lenders might be skittish if you have too much available credit that you don't really need, but nothing that would stop me from trying to make my DTI as small as possible.
you are in a far more favorable position to get credit when you don't need it as opposed to when you do actually need it
@CreditPoor wrote:Determine Your Monthly Debt Payments: Add up all your monthly debt payments, including mortgage/rent, car loans, student loans, credit card minimum payments, and any other loans or debts you may have.
Calculate Your Gross Monthly Income: Add up all your gross monthly income sources before taxes. This includes your salary, wages, bonuses, alimony, rental income, etc.
Divide Your Total Monthly Debt Payments by Your Gross Monthly Income: Once you have both figures, divide your total monthly debt payments by your gross monthly income. Then, multiply the result by 100 to get a percentage.
Just confirming. 
Before we moved to a larger place about 2 years ago my DTI was 4%; after the move it went up to 12%. Then a year later I bought a new fully tarted out Tacoma and that rocketed my DTI up to 17%. It's a good thing there isn't such a thing as a DTI which is too low, if there was, when I came out of my Chapter 13 I would never have been allowed to rebuild. 
