Lenders won't accept capital gains as a source of income.

[David Chau]

Hello, I'm in the market for an investment property and have came across a major roadblock with lenders not accepting my 4 years tax return of capital gains from my Cryptocurrency investment business. I am under the impression that this type of income would fall under self-employment. I also own and operate a small business which has a positive net operating income, but is still deducting start up cost expense and it usually takes up to 3 years for a small business to be positive, so it will be another couple years until I can use this.

Are there any other ways around this? I have tried better mortgage from the bigger pockets forum and they have also mentioned that they cannot use capital gains as income because of an internal overlay with their underwriting.