[JumpCrisscross]

> don't we need to get into evaluating future earnings?

Yes, many flow leverage ratios look at this, e.g. interest to Ebit.

[jefftk]

That's just a bit of a funny thing to do with a homeowner, no?

[JumpCrisscross]

> bit of a funny thing to do with a homeowner, no?

This is why mortgage lenders test your debt burden and interest cost against income.