TLDR: Lesser of wonky math being applied to 1) YTD earnings [YTD / # of YTD months] 2) two year tax return average [/24], or 3) one year tax return average [/12]. #1 is almost never the case because all self employed people think they make a crap ton more than what their tax returns say, so it's either a one or two year tax return average, no exceptions.

Once had a real estate agent whose clients applied to a unit I had listed accuse me of discrimination, this agent sent me all kinds of useless paperwork trying to prove her clients income without actually proving anything, like I was supposed to take her word that her client made 3x rent.

Below is a quote from the county property appraiser: "The cap only applies to the portion of the property receiving homestead exemption.

Then I would carry the debt of 70k on my HELOC and still can draw 40k when needed.As for the 2400 , I going to apply it to my property rental account.

Make sure your criteria is nondiscriminatory, and apply it every time, and don't bend it, if you want to avoid lawsuits and fines.Someone mentioned avoiding military.

@Daniel DeckerSpecific beneficiary rules apply when inheriting a 401k plan. 

He may have applied for an exemption because he is disabled which does qualify him for a tax break. 

Im a new REI in Las Vegas NV Im in the process of getting my LLC but I wanted advice on if I should be applying for a pro rata or non pro rata LLC.

I could also have original home that I used to live in paid off in less than 3 years if I apply both rents toward the mortgage.

Put all that material together so when you discuss applying for a loan you are organized.I get requests for loans and the potential borrower is not prepared.