Self Employment Income

[Ditron Corker]

My wife has been self employed since July 2019, and before that she had a W-2 job in the same field. I want to get a handle on what our DTI will look like next year because we want to buy another multi-unit.

She has one tax return with half self-employed and half W-2, and once we file next year a full year of self employed. When an underwriter is calculating her income over the past two years will they include the half year of w-2 income or just the self employed income?