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I don't know how RMDs and retirement plan distributions are used for income calculations.

Regular distributions from IRAs and/or other retirement plans are what matters. It doesn't matter if the distributions are RMDs or not. Just showing that you take out money as needed generally doesn't work.

The plan administrator(s) needs to confirm that you have regular distributions of at least the amount of income needed to qualify for the mortgage, after considering all other income. Monthly distributions are better, but quarterly or annual distributions will do, as long as you have statements showing the distributions have been made. You generally need at least one statement showing a distribution, but some lenders like to see 2 distributions.

That said, there's nothing stopping you from cancelling or changing the distributions once you close.

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