I am self-employed, and I plan to refinance my mortgage next spring.
I also want to start a solo 401K and maybe even change to S-Corp this year.
My question is, if I max the deferral and matching amounts as much as I can this year to help reduce taxable income,
does that also reduce my income as far as calculating my debts to income ratio in getting a mortgage approved?
If so, should I be safe and not start the 401K until after the refinance?