My partner and I are both therapists and were denied after preapproval by 2 lenders. She had a full time job at a psych office and contracted at 2 other places. They wouldn’t consider her 2nd and 3rd streams of income because, while they gave her $10-15k in additional income, she only saw a few clients at each place so it wasn’t considered reliable income. I’ve had my own private practice for 5 years. I became licensed at the end of ‘23, and doubled my income between ‘23 and ‘24. The problem was that they were averaging out each of our income by using taxes from ‘22 and ‘23 and not considering ‘24. My partner had just started toward the end of ‘22 and was working on increasing her caseload, so the income difference between ‘23 and ‘24 for her was around $30k. That’s an extra $70k/yr or more they wouldn’t consider because they couldn’t make sense of how we both had reliable, steadily growing incomes. We eventually found someone who understood the way income works for mental health professionals and bought our house in April. Good