You would think so, but you might be surprised. A couple years back I was looking to get a mortgage. I own a profitable company that pays me a comfortable 6-f

You would think so, but you might be surprised. A couple years back I was looking to get a mortgage. I own a profitable company that pays me a comfortable 6-figure salary and has for years, as well as having liquid savings greater than the total value of the house I was buying. Most of the savings are in a holding company though, so it made sense to get a mortgage rather than taking the tax hit of withdrawing the funds. While I did eventually get a mortgage, it was actually quite difficult, because my income was not "guaranteed". One lender even said something along the lines of, "Yes, you have that money saved, but there's no guarantee you won't spend it." And somehow the fact that I owned the company paying my salary made that income less reliable than if I was dependent on a separate employer. Even though by any logical metric I was far less of a risk than someone living paycheck to paycheck, the situation was outside of their regular mold, so they considered it risky.