They do use gross pay for calculating affordability. But they also use net pay to help figure out your DTI because you may have child support, alimony, garnished wages, 401k loans, etc. They want to get the whole picture.
Other questions regarding uploading Documents: What category do cancelled checks for rent go under? and do we need to submit statements from HSA (Health spending accounts) and Dependent care spending accounts?
The web file I think has changed a little bit recently but, I would imagine they go under rent verification. You can always ask your MC or email them to your naca lynx email address and copy your MC. As far as your insurance documents I would take all of that with you to your intake appointment. Your MC can determine if it’s necessary and upload them during your appointment.
No. Your DTI is based on gross pay. It is possible you have significant deductions from your gross pay that would affect your DTI. A 401k loan or child support would be examples. Other than that net pay doesn’t factor into the equation.
Net income is used for calculating cash flow, which is one of the factors in determining affordability.
Your net income less your monthly expenses equals the amount of money you have available each month. This calculation can help determine how large a mortgage payment you can afford, especially if you are looking for a mortgage payment larger than your current rent, by showing just how much money is actually available each month.