FHA Financing question

[Nathan Mount]

I want to try to secure an FHA Loan for a house hack, multi unit home in Chicago. Ideally a 3 flat, with at least 3 units, but 4 would be better for cash flow, obviously. These are not cheap.

I made really good income in 2019, but 2018 was about a qtr of that.  2017 was closer to 2019 income. Should I wait to apply for a loan, until I get my 2019 taxes completed, in order to get a higher line approved?

Thanks in advance.