‘ATR, QM Should Not be the Be-All, End-All in Mortgage Underwriting’

National Mortgage News, Nov. 12, 2021–Brad Finkelstein (subscription)
Among the difficulties lenders face when working with non-traditionally employed customers — like self-employed and gig economy workers — is not running afoul of ability-to-repay rules and the qualified mortgage definition.
https://www.nationalmortgagenews.com/news/why-atr-qm-should-not-be-the-be-all-end-all-in-mortgage-underwriting