"I didn't realize this forum was run by CPA Nazis with nothing better to do than puff their chests."

Whoa, what? A bunch of professionals offer you help and express some concern over what you got yourself into, and then get labeled Nazis?

Take a look around this place, to see how lots of questions are Vague, and we ask for more info, better details, and some perspective. That's not Personal; that's Professional.

"The net income is for a home loan application"

And no one here can tell you what that specific Bank will consider is the Net Income from all of your personal financial info you will be providing. Again, take a look at the topics where the "math" is being done just for the Medical Coverage qualifications.

If you are going to take offense when someone asks for more info from you while you are learning, you are going into the wrong profession. Just wait until you see what it is like to ask your clients to provide all the info you need from them.