银行不肯放贷，不管实际收入多可观

Based on current federal law, if you claimed more income and bank find your tax return does not show, it can be a federal crime and bank has liability to report to federal financial crime system. It is in federal anti money laundry law.

Do you want they do this. Actually no one like to do , so they say no to you.

If you have a lot asset, for example you have $360,000 after you pay down payment. You can say you can use that as income, most bank not do it, but some bank do.