Not sure how old you are, and $200K in a 401K may be a little or a lot based on age, there may be so many implications taking out money from your $401k, especially if you are still working for this company.feel free to reach out for tax advice

The pandemic forced people to work from home and having spaces that worked as offices became important. 

Feel free to reach out if you still have questions.

However, I don’t have a US-based W2 (but work full time for an American tech company in their London office). 

Please feel free to reach out.

It is why it was first on my top 5 of current risks.Feel free to DM me and I'll send you my 10 Tips for Wrap Mortgages along with a video from an attorney that knows this stuff.

Make sure you talk to a Banker or Loan officer that is well versed in both SE (Self Employed) income and also Non/QM programs.One tip I will give you as a Banker is open up a "Business Checking account" and for the next 12 months pay "Everything" out of that account. 

Feel free to reach out if you have any questions about the local market here or want to connect! 

I can provide him with an online log in so he can review the books from his office.

Feel free to shoot me a text and we can hop on a call.