A general rule in qualifying for a home mortgage is that your debt-to-income ratio be no higher than 28/36 percent on conventional loans and 31/43 percent on Federal Housing Authority (FHA) loans.
Slip bobber or tight line from shore. Fish with small minnows and crappie rig near the bottom. Yellow perch move in shore to spawn in mid-April and they can be caught from shore. In mid-April fish near shore just off the bottom.
The length and dates of the spawn-. ing season vary from year to year. depending on the weather and area, but peak spawning time in Missis-. sippi usually occurs in May. Channel catfish are cavity spawners. and will spawn only in secluded, semi-dark areas. In natural waters. male catfish will build a nest in holes. in the banks, undercut banks, hollow. logs, log jams or rocks.