Income of less than 12 months in duration.
Education benefits (including payments from the VA for this purpose).
Per Diem income.
Car allowance or mileage reimbursement (unless claimed on the borrower’s tax returns)
Military hazardous duty pay.
Any source of income that cannot be verified.
Any unstable sources of income (e.g. significant year-to-year decreases in income for self-employed borrowers).
Foster care income (This income can only be used to justify excluding the foster child from the number of dependents and reducing residual income requirement)