The longer you’ve been at it, the more ways we have to go about it for you.  The line 150 net income average of two years’ tax returns is a well-accepted number, and one that we can inflate by up to 15% based on your recent earnings.  Income can be sourced from dividends, salary, or commissions. No worries if you’ve been self-employed for less than two years; six months of deposit records is sufficient proof of qualifying income for many of our lenders.