Abstract: A novel system and method for determining a qualified loan applicant is disclosed. In one embodiment, applicant information and potential first liens are compared to determine candidate first liens based on applicant information. Debt-to-income ratio requirement information associated with the candidate first liens is stored. Candidate second liens associated with the candidate first liens are determined, and the debt-to-income ratio of the combination of the candidate first and second liens is determined. Qualifying combinations are determined by comparing the debt-to-income ratio to the stored debt-to-income ratio requirement. In another embodiment, candidate first liens are organized by common characteristics and outputted with associated second liens. Other embodiments, such as optimizations on the system and method, are disclosed herein.