I'm having a real difficult time with this part. I feel strange about this step. I make well over poverty wages, more than double I think. However, I guess anytime someone inspects your finances to qualify it's never going to feel like enough is earned. Anyhow, the problem I'm having is that my bank Citi, doesn't have branch locations in Orlando. I don't know exactly what is needed. I have tax transcript from last year. Worked w-2. I just want to use my employment income to qualify. I looked over the guide here and it looks like the guide says go into a bank and get a letter, get your employer to write a letter, and get tax transcript. Do I need to do all of them?