About a year ago I had a similar question, but now we've got a bit more detail. This concerns anyone in the medical field who bought a Tesla while they were in Residency, or Fellowship. My wife is currently in Fellowship, which will end mid-2017. As such, she has to supplement her salary with moonlighting, which obviously isn't something that is considered "stable" income...as it's variable. She has been offered a job that she plans to take at the end of her Fellowship, so we'll have a signed contract when we go to get financing (we plan to lease through Tesla). Her salary will be roughly 3x the total cost of what we plan to configure. We will also have saved up enough to cover 2 years of lease payments (on top of the down payment). Obviously, the amount of debt she has is relatively high, Medical School, house, vehicles...but the total amount of debt is only about $50k more than her starting salary. So, the question, is any of this taken into consideration at financing...or is the determination criteria more rigid? Is there anything we need to do/bring to make the simplify/expedite the process. I appreciate the help.