[giarc]

I'm not even sure that is the correct term. If she was truly a nurse (student or otherwise) working part time, she would have pay stubs from her employer. The fact that she had to rely on bank statements and client letters tells me she is perhaps working for cash.

"works part time providing home care for children and the elderly" is this a veiled way of saying she is a babysitter? If she was actually doing nursing care for children or the elderly, I assume she would be working for a company, back again to the fact that she doesn't have a pay stub, I think she is working for cash under the table.

[Spooky23]

Of course she is off book. She probably provides services equivalent to an CNA, with perhaps some errands or other casual assistance work tied in.

There's a big market for this sort of thing. Agency-based homecare is really expensive and usually pretty awful. Traditionally, these sorts of casual labor jobs had to be paired with a spouse's income to avoid IRS scrutiny, but IRS enforcement isn't what it once was due to years of funding neglect.

The notion that a bank is recognizing off-book income as income for lending purposes is incredible. Eventually the prospective lender will run into a problem, and usually will take an income hit when they are forced to land a normal job. The other turd about the "part time student" aspect is that she is probably living on student loans.

[athenot]

Or... she could be a contractor to one of those companies, to help them when they have more work than employees can handle.

[giarc]

In that case she would have a paystub..... or at least a contractor agreement.