How are lenders handling this situation?

[Joshua Raley]

Lender's please help. I'm a bartender, therefore my income is 100% tips on my W2. Before covid I was pre approved for upto 150k, based on my 18 and 19 W2's. Now obviously my wages will be much lower this year due to the 33% seating etc. How will lenders and underwriters handle this? Will this year be looked at differently? Or will my ability to borrow be drastically changed now that my 2020 W2 is going to be much lower? Would some one please reach out or respond. We were really trying to get our journey started. Thanks guys