e. Compare What Shelter Expenses will be to What Applicant Pays Now

Closely scrutinize a case in which the applicant will be paying significantly higher shelter expenses than he or she currently pays.  Consider the

·   ability of the applicant and spouse to accumulate liquid assets; such as cash and bonds, and

·   amount of debts incurred while paying a lesser amount for shelter.

If an application shows little or no capital reserves and excessive obligations, it may not be reasonable to conclude that a substantial increase in shelter expenses can be absorbed.