All VA loans require residual income, which is the income left over after you’ve met all your monthly debt obligations (plus your mortgage payment, utilities, child care costs, etc.). The exact amount varies by location, household size, and loan amount.
If your DTI exceeds the recommended 41% maximum, then you’ll be required to have 20% more in residual income to qualify. So if you were initially required to have $1,000 in residual income, but your DTI comes out to 45%, you’d need to have $1,200 in residual income instead. Only then could you qualify for the loan.