I had this problem also when I posted my request on prosper, I just made sure that I said in my listing that I understand that with my debt to income ratio that the interest rate was lower than I am willing to pay but to due the rules of the State that I live I am unable change this, also include that your husbands income will also be used to pay this loan back and I think that you will still get bids, just be honest but go over the top with the amount that you are asking to borrow, Best of Luck I hope that this will help you!
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