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It depends on a few different things...
Self Employed ... averaged over last few years
W2 employed generally is gross unless a big (determined by lender) difference from one year to the next in pay.
@Vwaller72 wrote:
I'm no expert but I don't think there's any case where they use your AGI. That's something that really only matters for tax purposes as AGI is the portion of your income that is actually taxable. I don't think that has any effect at all on the mortgage process.
Technically they do not.
But be self employed, and take advantage of all the tax advantages and show a small income, and see how the UW looks at it then. You ultimately should still be approved, but approval amount will be a factor.