Income consistency matters
Lenders usually want to understand whether earnings are stable, likely to continue, and supported by records.
Mortgage education
Self-Employed Mortgage Guide
Plan around income history, deductions, documentation, and lender expectations.
Your business structure matters
Sole proprietors, LLC owners, and mixed W-2 plus gig earners may need different documentation.
Make the file easier to review
Separate accounts, organized statements, clear 1099s, and year-to-date summaries can reduce confusion.