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As a writer, I basically deduct my entire life, which results in a less than impressive capital gain on my 1040. Also, I earn at least half of my income through book contracts, which come in large lump payments every few years. This is all making it very hard to get financing when trying to buy a house right now. Has anyone had any luck with a bank that is willing to look at a number of years of tax returns and take the average? Or to consider the gross income on the schedule C (before deductions) for financing purposes? If so can you send along his/her name and number. Thanks!