<prompt> Human: Hey guys. This sub has had a wonderful impact on my life. So first I want to say thank you to all of you who contribute advice and knowledge here.Over the past year Ive built an emergency fund and started investing money. I live frugally to the point where according to my budget, Im saving about 50 of my income steadily. Now recently Ive decided to try to buy a home to get out of the rent pit. I work in the food industry as a delivery guy. My projected income this year is 25k. The problem is that about 13 of my income is unreported. And last year about 50 of it was unreported. I have no debt and perfect credit. I want to buy a house at around 100k. I tried with one mortgage guy and he said everything looked except the numbers on paper simply werent high enough for 100k according to some debt to income ratio. So Ive turned to you guys for advice. What can I do? My current living situation is not great but my rent is cheap. My house got broken into and I lost all my valuable items. Ive had stuff stolen off my porch and some of my friends dont feel comfortable coming over. My lease is up in October and I want to move to a nicer part of town. Ive worked so much on the house to make it comfortable, I feel like Im wasting my timeeffortmoney for a shit rental, but its where I live. If I were to move to a nicer place and rent, the rent would be higher than a mortgage payment.With the way Ive been saving and living, I know what I can afford as far as a monthly payment goes, but I just cant prove it. How do I get out of this ghetto guys?Edit: I should say guys that this is the first year Ive done my taxes on my own independently. I am not trying to be sly, I just have no records of my cash tips. I will do a better job from here on out, but what can I do now?  <response>: You can start reporting all your income and paying taxes on it. Like the law says. 