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yeah, this was never about number of homes owned... it was about verifiable income.
if you write off a lot on your taxes and claim to make $x per yr with the irs..... you have to use that same number with your lender.
Do they simplify it, by basing it on your AGI or something? Or do they add up all your taxable and non-taxable income and deduct your writeoffs? What if part of your income was capital gains from investments? Those aren't reliable, so they deduct them from your income?
See pm sent to you