Looking for advice: Wife and I looking to buy a home in about a year or so. Have enough cash/liquid investments for about ~10% down payment for our target home price. DTI is around 28%, almost entirely from my MBA loans. Should our priority be to build up more cash for a larger down payment (maybe we get to 20%+ and avoid PMI, but not certain), or focus on lowering our DTI and try and get a better rate?

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