We aim to credit you with the gross income you will earn this calendar year. For us to credit you with income, it needs to come from a stable source and be verifiable through documentation. We look to see that you earn more than you spend (i.e., have a positive cash flow) and that your income is high enough to support your current total debt load.
Income can be complicated. The structure of your income may impact how we verify its stability and amount. If you’re unsure what to include in your application, feel free to check out this article here.