[mnky9800n]

it seems like these split into at least two groups. The ones that have a sustainable business (e.g., trailer repair), and the ones that this month are making >20k a month but next month who knows (indie board game start up). it leads me to believe that the question itself is not as informative as it may seem upon first inspection.

[HPsquared]

I guess you could ask something like "How much would a bank be willing to lend you?"

[pzo]

This is also not a good question. I had a friend who is freelancer making very good money but was hard for him to even get credit card comparing to someone who has medium salary but has permanent job.

Another friend had hard time getting mortgage credit even though has enough money already in the bank to buy apartment in cash - reason? He earns in dollars but in his country bank requires earning in local currency to get credit.

[arethuza]

"How much would a bank be willing to lend you?"

Depending on how the economy is doing and how crazy your bank is that could be a truly awful measure.