My 2022 tax return shows a low Total Income due to my new business losses. Of course, for tax purposes I was trying to get my income as low as possible. Can the wages and salaries be used to support the income requirements? or does it required to rely on the Adjust Gross income? Also, the 2023 income will show better, but I am waiting for my business K-1s. So, I won't be able to file the 2023 returns until July. I want to avoid an additional 8-12 week delay. Can I substitute may 2023 W-2's/1099's and/or bank statements? Or am I required to use Tax returns? Any feedback will be greatly appreciated. Thanks