My financial and life situation is shifting A LOT this year. I’ve been self-employed, part-time for years, raising teens, so fairly low income on my own. Getting divorced, selling our home, but also, due to a very-likely inheritance (Family member passed away, just don’t have everything sorted yet) newly/mostly fire. Will probably want to purchase another home in the next 2 years, once everything is sorted out, but given it’s in coastal CA, I’d rather have a small mortgage than tie up almost half my nest egg in real estate. I’ll still be low-key earning, maybe $20-$25k / year on a schedule C, but not enough to qualify for, say, a $300k mortgage under income rules (on, say, an $850k house). Would a bank lend money based on retirement funds, dividends and capital gains? Will I need to take larger gains next year (and thus pay more taxes) if I want to qualify? I’ll likely also eventually take on a roommate, so perhaps I pay cash but then get a HELOC after that added income shows up on tax return? This is all pretty hazy and in the future, but I’m curious...