I’ve never had issues as the sole owner of an S corp with W-2 salary + k-1 profit and a physical office and employees. As you get less official, it gets a little harder.
A few online deep discount places don’t take self employment income, but they are the exception. My last mortgage was with Sebonic and they had the lowest rate on the Internet and no penalty for self employment.
It seems like they will base your income on your last two tax returns and your YTD current monthly income.
A local mortgage broker can get you a prequalification letter to use when you make offers on properties. Might be the best route, and certainly the easiest.
