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.
During winter, perch often move to deeper waters, feeding exclusively off the bottom. On some lakes, anglers fish in 20 to 50 feet of water to catch yellow perch in the winter. Ice anglers fish for perch with short jig poles, some with specialized spools only large enough to accommodate 50 to 60 feet of line.