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> in the specific case of mortgages, because they're no-recourse

This varies jurisdiction to jurisdiction. And it isn't really germane to the question of quantifying one's leverage, which is a going-concern analysis.




> going-concern analysis

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


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

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


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


> 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.




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