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.
Males reach sexual maturity in one to three years; females in three to four. Because yellow perch congregate in small stretches of streams when spawning, they are vulnerable to a variety of threats and acid rain to loss of spawning habitat to overfishing. Overall, the Chesapeake Bay population of yellow perch is relatively stable, with populations most prevalent in the Upper Bay.