It's not an issue of making both incomes available. It's a contract signed by both. W2's and tax returns are not evidence of current income for working people, but since your parents are NOT working, and you have not stated the sources of their income, we really can't help you separate it without more details. For example if 100% of their income is "joint" from one jointly owned Annuity, then you just spit in in half. I doubt it's that simple. Take the original 1099s or other income documentation and add up which income is for each one. If there is joint income, put half in each column. Then supply copies of those documents as backup.