Here’s what I wish I had done for simplicity’s sake, and learned on one of these subreddits after the fact: open a fresh checking account and direct your deposits to that account and pay from that account. Deposit whatever amount you need for bills and down payment etc into that account. Build 4-5 months’ of transactions into that account. Use only that account to qualify for a loan. The bank only asks for the past three months’ of accounts. So they won’t see the huge deposit to establish the account and will only see what you have in it and bills coming out of it.

Keep your old account with any additional deposits from the nannying income going into that account. Never give the bank info on that account (especially since you won’t be using the money to qualify for the loan).