One of your questions:  A client earns a salary of $45,000 per yr.  What is his housing expense for an EEM mortgage.  With an EEM mortgage the stretch the limits by 2%.  If his monthly income is $3,750 X 33% (2% above regular ratios) his housing expense is $1,237.50.  You don't have that as an option.  What would the correct answer be?