Combining 2 IF statements in one

I have these 2 IF statements in 2 seperate cells and would like to make them function in one cell. I have tried a few ways of combining but cannot make it work. Can an IF statement expert help me combine these 2?

=IF(K21<0.01,("DTI Ratio Available "&TEXT(K21*-1,"$ 0.00")),("DTI Ratio Short by "&TEXT(K21,"$ 0.00")))

=IF(K20<0.01,"Housing Ratio Available "&TEXT(K20*-1,"$ 0.00"),"Housing Ratio Short by "&TEXT(K20,"$ 0.00"))

Thank you very very much