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Such a helpful and well-written article!

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<p>Bitcoin mining is the process of verifying and adding new transaction records to the Bitcoin blockchain. Miners essentially act as the guardians of the network, ensuring the integrity and security of the cryptocurrency. They achieve this by solving complex cryptographic puzzles, a computationally intensive task that requires specialized hardware and significant energy consumption.</p>
<p>The DTI ratio is a key factor in determining a borrower's ability to repay a mortgage. Lenders generally prefer borrowers with DTI ratios of 43% or lower for a QM. This means that the borrower's total monthly debt payments (including the mortgage) should not exceed 43% of their gross monthly income.</p>





<li><b>More Affordable Terms:</b> QM loans typically have more favorable terms than non-QM loans, such as lower interest rates, lower fees, and restrictions on risky loan features.</li>

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