What income is used for debt ratio calculations

[boomer01]

I have been searching post for answers to the following questions, but I have not had any luck. I would appreciate any help anyone can give.

(1) What income does Chase look at for their debt to income ratios- monthly gross or net/take home pay?

(2) How are non-guaranteed annual bonuses factored into the calculations? (received in 2007 & 2008, but will not have in 2009)

(3) How is variable, commission based part-time income viewed?

If I could count on all of the above I might be able to survive, but the only thing that I have right now is my regular pay and a once in a while commission check from my part-time job.

Thanks for the help.