Obviously hyperbole - but some truth in there.

Your lender wants to see more income to lower your DTI, making it easier to get a loan. Your CPA is looking for ways to minimize your taxable income, lowering your tax bill. How do you decide where to put more emphasis? It should come down to your goals. How will the loan help you achieve your goals? How will saving taxes help you achieve your goals? Imagine they're mutually exclusive. The loans will allow you to generate income. The lower taxes will allow you to save money. These are two different approaches. One might help you achieve your goals faster than the other. Either way, both require forward-thinking and clear communication between you and your CPA.