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It’s not about saving up for us–we have a down payment (albeit not quite 20%). It’s just about not having non-student loan income for the next year or two. The thing is that I get a guaranteed monthly loan for living expenses until I graduate, and already have guaranteed income after that, so EFFECTIVELY I have an income, but it’s just not the typical income… Anyway, if banks are rigid in how they see “income” then the discussion is moot, but that’s why I asked I suppose.