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In the US, when self employed, mortgage lenders require two years of tax returns.
Your combined DTI ratio should not exceed 45 %, but if you have some extra strengths on your submitted loan package (higher FICO score, above minimum down payment, longer history of employment - all which show stability), you can request an exception, which can go as high as 53 %).
Make certain that your business (marketing, affiliate sales) appears mainstream/vanilla.
Pay down open lines of credit which are appearing on your credit reports, to be under 35 percent of the credit limit. Ideally you keep it under 27 percent. Any negative items need to be scrubbed off the report. File the necessary disputes by post, not online.
If you need a bump in your FICO, find someone that has 740+ and ask them to add you as an authorized user on their credit lines. Their FICO will pull you up.
Negotiate with your loan broker and buyers real estate agent to get .750 and 1.50% rebate back in escrow. Lenders will allow you to use this money to pay down closing costs, prepay property taxes, HOA dues, and even monthly mortgage payments.
Good luck!
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"The time men spend in trying to impress others they could spend in doing the things by which others would be impressed."
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