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I've seen a lot of people mentioning on threads here that they state their income as a certain amount when applying when,as mentioned in their posts, their income is higher. I'm just curious what the advantage of this would be. When I've applied, I've tried to be accurate about my personal income, and HHI when appropriate. Is there a particular motivation for not disclosing total income? Obviously you wouldn't ever want to overstate your income, but I can't figure out why some people choose to understate theirs.
My guesses:
1. Earning significantly more than peers (i.e 20 year old with $200k+ income), wanting to avoid FR
2. Fluctuation income year by year (i.e-free lance)
3. Multiple sources of income (side business, investment, etc.) and just want to report the safe amount on W-2.