Borrowers are buying a new (primary residence) home. They are not going to sell their current (primary residence) home until after they buy the new home so I am getting them qualified carrying both mortgages.

On the REO section I list their current home and code it as an "R". In the "mtg payment" column i put in the P&I amount- $1779. In the "Ins/Tax/Misc" column I put in the amount of those costs- $681. The total of this is $2,460 which shows up correctly as a negative in the net rental column. 

In the liabilities section, the mortgage on this current property is listed and the amount of the monthly payment (2460) is in brackets and it is checked to omit. At this point Calyx 5.1 is showing the correct front and back end ratios and payment amounts.

Proposed New 1st mortg        3122
REO negative                       2460
Credit cards and other loans   2216
Total Monthly debt               7798  

When this is submitted to LP, something is getting double counted. LP shows proposed amount 3122 correctly but shows total monthly debt as 8479 instead of 7798 which is 681 too high and is the same amount from the REO tax ins misc column.

If I look at the liability breakdown detail within LP it looks ok. The REO detail shows the -2460. The liabilities section is showing the corresponding mortgage to be omitted, so I don't know why LP is doubling up the 681?