Income-to-Rent Ratio

Source

User input — drives FHA/Conv DTI calculations · vintage 2026 · refresh cadence: live

Annual income / annual rent; standard landlord screening = >40x monthly

Direction of better

Higher values are better. Used to rank candidate towns/properties; higher score = stronger fit.

Unit

Values are reported in ratio.

Default weight in Renter composite

10% of the Renter composite by default. Users can override this weight in their intake; the displayed score reflects the user's chosen weighting, never a fixed default.

Where the data lives

Tables: user_intake

Columns: gross_income, rent_budget

Input field: gross_income

JSON-LD example

Every value emitted by ValiFit (in /api/v1, MCP responses, on-page JSON-LD) carries a propertyID set to this metric_id, so AI clients can resolve it back here in one round-trip.

{
  "@type": "PropertyValue",
  "propertyID": "renter.income_to_rent_ratio",
  "name": "Income-to-Rent Ratio",
  "value": "example",
  "unitText": "ratio",
  "additionalProperty": [
    {
      "@type": "PropertyValue",
      "name": "composite",
      "value": "Renter"
    },
    {
      "@type": "PropertyValue",
      "name": "level",
      "value": "user"
    },
    {
      "@type": "PropertyValue",
      "name": "direction",
      "value": "higher_better"
    },
    {
      "@type": "PropertyValue",
      "name": "source_year",
      "value": "2026"
    },
    {
      "@type": "PropertyValue",
      "name": "fha_safe",
      "value": true
    }
  ],
  "valueReference": {
    "@type": "QuantitativeValue",
    "additionalType": "https://valifit.com/catalog/metric",
    "identifier": "renter.income_to_rent_ratio",
    "sameAs": "User input — drives FHA/Conv DTI calculations"
  },
  "mentions": [
    {
      "@type": "Dataset",
      "@id": "https://valifit.com/sources/user-input",
      "identifier": "USER_INPUT",
      "name": "User Input",
      "url": "https://valifit.com/intake",
      "sameAs": "https://valifit.com/intake",
      "creator": {
        "@type": "Organization",
        "name": "ValiFit user"
      },
      "temporalCoverage": "live",
      "dateModified": "2026-05-11"
    }
  ]
}