Tax and refi questions

[Cholhye Kim]

Hi, I am in a predicament as it is my first year as a 1099 tax payer and I have a ton of write off. I made 38,000. I recently purchased a home with 3% down a few months ago (295,000 home). My pmi is 112 a month. Currently, my house is worth about 30,000-45,000 more than what I paid. But in order to refinance, I have to make enough to prove to the lender that I am responsible enough. What should I do