Self-employed mortgage affordability: 2-year income averaging with add-backs, the declining-income rule, front/back DTI limits, PMI-aware max-price solve.

Self-employed mortgage affordability: 2-year income averaging with add-backs, the declining-income rule, front/back DTI limits, PMI-aware max-price solve.

Payment: x402 ($0.05 USDC on eip155:8453). Call unpaid to receive an HTTP 402 with requirements, then retry with the PAYMENT-SIGNATURE header. Method: qualifying income = declining rule (year1 only if declining) else 2-yr average, both + add-backs; budget = min(frontDTI, backDTI - debts); P = (B + D*(k+pm)) / (k + pm + tr) with amortization factor k, PMI when LTV > 80%