S-Corp W-2 & Lending

[Matthew Cervoni]

Hello BP Community,

I am curious if anyone knows or has experience with how a W-2 from an S Corporation that I own 100% gets counted for DTI ratio. I'm familiar with the two year self-employment income averaging and I'm wondering if this would be different or essentially the same.

I'm paying myself a large W-2 from my S-corp which would be good for getting approved. However since my business is new, if you average out my prior 2 years it cuts the income on my DTI ratio almost in half.

I'm also in the market for a lender in or around Lexington, KY if you are one or know someone.

Thank you!