How long have each of your 2 businesses been around for? How long have you been consulting and reporting that income on your tax returns?
It becomes tricky, because my consultant job just started after I left my full-time job which was about a year ago and there was a gap between them. I do earn more money from doing this than my last full-time job. I do have all the pay stubs to prove all my income.
Also, one of the business started about 1 year and 8 months, but again, I can also prove the income from both of them.
Nonetheless, given the multiple sources and types of income you are generating, the analysis needed to derive your income could be quite complex. It would not be surprising if your income may not have been calculated correctly by the person you worked with.
I would recommend that you have an experienced mortgage consultant also review your situation. You may get a completely different answer. At a minimum you should request that this person calculate how much additional income you would actually need in order to qualify.
Best of luck