Fannie Mae and bonus treatment

[Gloria Mirza]

My husband has been at his job for 14 months and has received a regular quarterly bonus since he started. His offer letter states that his bonus is targeted at 10% of his salary and he has been receiving roughly that amount since starting. His previous job did not pay bonuses but was in the same field as his new job. Under what circumstances does Fannie Mae consider the income when calculating DTI?

From the Fannie Mae sight https://www.fanniemae.com/content/guide/selling/b3... I found this:

"A minimum history of two years of employment income is recommended. However, income that has been received for a shorter period of time may be considered as acceptable income, as long as the borrower’s employment profile demonstrates that there are positive factors to reasonably offset the shorter income history."

...What the heck are "positive factors"!