If I put 25% down does the bank care about my Income? Advice?

[Rob Tossberg]

Hi!

I'm self-employed and looking for a multi-family for investment purposes.  I'm going back and forth on declaring my income for 2016 - and taking the hit with taxes - or not declaring and keeping the money that would go towards paying taxes.   

From a loan perspective if I have the 25% downpayment does my income on a tax return matter or not?  I'm getting different answers from different mortgage companies and I thought I'd ask on BP.  Thanks in advance, I'm grateful for your advice and input.