If a self employed applicant has either negative or zero qualifying income what should be reported on the HMDA LAR as DTI? This is assuming we relied on the DTI in making the credit decision. Our system just leaves the DTI blank, which is not valid for the LAR. Should we report the maximum DTI 999.99%?

(2-80) Paragraph 4(a)(23)—Debt-to-Income Ratio.
Enter, as a percentage, the ratio of the applicant’s or borrower’s total monthly debt to the total monthly income relied on in making the credit decision. Use decimal places only if the ratio relied upon uses decimal places.The HMDA Platform can accept up to 15 decimal places and can accept negative numbers for Debt-to-Income Ratio.

Thank you!

In general, if you don't know what the DTI is, then you probably didn't rely on it.