This depends a lot on the bank, most of them are glad to use stock as part of the income calculation so long as you have a history of vesting a certain amount o

This depends a lot on the bank, most of them are glad to use stock as part of the income calculation so long as you have a history of vesting a certain amount over time. It works the same way as bonuses or commissions, if you want variable income to count toward your DTI you need to demonstrate you get it regularly.