I agree with everyone else. They all have really good advice. One thing I want to add, if one person says no, find somewhere better. If everything else is good, and the thing holding you back is being self employed, you'll be able to get a mortgage.
I've been doing daycare for about 18 months, and between personal mortgages, rentals and refinances, I've applied and qualified for 4 mortgages. My friend has been doing her daycare for one month longer than I have, and she just went to the bank she always deals with. They told her they couldn't use her income at all. I told her to check somewhere else, but she thinks they're right and she'll get the same answer everywhere.
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