Laid off due to Covid and Financing

[Adam Melon]

Hello All!

So here's my situation: I'm under contract for a triplex (my first property!), but I am worried about having been laid off during Covid  (April 2020-August 2020). I'm an accountant and have more than 2 years of experience in the industry. I've been gainfully employed since I Graduated college 3 years ago except for last years pandemic. My employer that originally laid me off in April, rehired me in September. When I originally applied for the loan in 2020, they asked for 2019 W-2s and paystubs which reflected I worked the whole year, so I was pre-approved. But since we're in 2021, they want my 2020 W-2, which is 4 months light of my normal income. I'm worried they will inquire why my W-2 is a little light and then i'll have to say I was unemployed for 4 months last year. I'm still employed with same employer that rehired me in September. In a practical world I feel I have nothing to worry about, but I'd like some reassurance  from BP world without having to open a can of worms with the lender.