Larry has been on his job for one year. He currently makes $12.00 an hour at his retail job. Prior to this, he worked at a shopper's club, making $11.00 an hour. He currently works five hours of OT a week, making time and a half for all overtime. His current pay stub dated 4/15 has a YTD gross of $8,645. What is the monthly income an MLO can use to qualify Larry?