Then explain to the lender why it is that your income would support the loan. If the loan does go bad for any reason later and the lender discovers that you lied about your income in the application and submitted fraudulent documents to support the lie you may well end prosecuted for fraud. Anyone in the family business that aids you in that fraud would also be at risk for prosecution, too. I assume that the prospect of a conviction for fraud, fines, and possible jail/prison time is not a risk you want to take just to get a loan.

