Traditionally, a mortgage would be 10% deposit + 3x your salary. That's what I did. In retrospect I should have done what everyone else did, 0% deposit and 5 or 6x salary, then let the govt bail me out by artificially holding interest rates so low. People who behaved irresponsibly made out like bandits, and honest folk are seeing their savings destroyed.

+1 What's the point in saving money when it gets eroded by near 0% interest saving returns combined with continuing inflation?

Traditionally a mortgage would be 20% down.

Did some research. To answer my own question: DTI is a debt-to-income ratio that is considered during mortgage negotiations. It's desirable to have less than a 36% DTI such that your monthly debts (CC payments, mortgage, car payment, etc.) do not exceed your monthly income.