debt-to-income an issue?
hi all. I'm looking to apply for an entire apartment in the next couple months. I have been remotely employed for 5 years at the same company making 140k/yr before ~%10 bonus. Current credit score is 760s, 0 negative remarks with 10+ year history. Have very good reference letter in hand from previous landlord (not in NYC). I'm looking at places between 2-2.5k/month. I have money for first month rent + security deposit + potential broker fee. My biggest concern for my applications is my debt to income. I'm looking to shift things around to lower things, but I'm planning for the worst case scenario. Current DTI is around 28% and that doesn't include the potential rent payment. I've found very little threads specifically about DTI and most seem to discuss the 40x rule, which I'm not nearing with my budget. If I was a landlord, I would for sure be looking at DTI as a factor. Just curious if anyone has been denied for this or has any input. I know the numbers are crazy and things will be tight. I do plan to get a new job which will be paying much more, but I know I can make it work with my current numbers. I don't have a personal guarantor, but can consider one of the services. How crazy am I? Will any landlord even consider this? Thank you.