u/HonestlyIamConfused

I am trying to find a way around going non QM

I am a 10-99 employee

2024 I was apprentice and only did $30k roughly

2025 I did $130k

2026 I am already $75k income

I want to go conventional or fha , I had $70k income depreciation so I am fine on taxes looks like I made $130k

But for the house price I want my 2 year average doesn’t equal the $10k a month that I need

How and what should I do to make this work? I have roughly $90k saved, this year I’ll do around $200k if not more because heavy back end

Is there a way around the 2 year average thing or no