Please lead me in the direction I need for a loan

[Melissa Marques]

Hey guys,

Im looking for buy a 2-4 unit property and house hack for my first time home purchase. I need a low down payment. I will be gifted the down payment up to 10%. Looking for a property between 900,000- 1.2m. Im in the bay area.

My income has been between $25,000-$30,000 between 2015-2019. In 2020, I earned about $18,000 and received unemployment due to the pandemic and getting hours reduced. Will Lenders count that awful pandemic year against me? Additionally, I have made about $18,000 this year so far and will be starting a new job in 2 weeks with a much higher payer.  

Heres my questions..

1. Will they look at 2020 income or do they have leniency for once in a lifetime pandemics?

2. Will lenders take into account that I have a much higher paying job now? (And have been in the same field for over 10 years + Recently graduated with a higher degree)

I may add more questions, but those are mymain ones right now.