It depends. If you have a guaranteed amount of shifts at a certain rate, it may be very similar depending on the bank. This would be the case for someone who works as a contractor for a company like Team Health or a per diem employee with a guaranteed amount of shifts. If you are truly a business owner without a guaranteed income, then you will likely need a 1-2 year history with this type of income to prove you have a stable income. Be sure to talk to your lender early so you know early whether you are likely to encounter problems when trying to get a mortgage. To request a free copy of Doug's book Hippocratic House: Do No Harm When Purchasing Your Physician Home, go to www.HippocraticHouse.com. Links: Have you ever considered a different way of practicing medicine, whether you are burned out, need a change at pace, or are looking to supplement your income? Locums story.com is the perfect place to start. https://locumstory.com/