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Girlfriend wants to build a tiny home but gets paid through PayPal as a professional singer, is that a problem?

My girlfriend wants to build a 1,000 square foot tiny home in Vegas to escape the high rent and real estate prices. She has been a professional singer for 20 years and has consistently made at least 4-6k per month for years. The problem is she gets paid primarily through PayPal and her income varies from month to month, though she has almost never had a month where she made less than 4k. She was offered a very large publishing deal (Low 6 figures) recently which she could have used to pay for construction herself, but she is holding out for a better offer and it's unsure if she will accept it or not.

Her credit score was 700 until last year when some medical debt knocked it down to the low 600's, but from what I understand that shouldn't count against her approval odds, right?

Is it worth her trying to get a construction loan or is there little chance of approval?

submitted by /u/TheNomadicAspie
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source https://www.reddit.com/r/RealEstate/comments/svbsai/girlfriend_wants_to_build_a_tiny_home_but_gets/
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