Idk why people don't know or research the business and requirements for approvals before diving into it and asking these kinds of questions. He owes 130K and he grosses 150K/mo (assuming it's pure revenue and not transfers or loans) so he would need to qualify for 260K.

I think the question should be how do I sell this 3rd position to the business owner instead of asking how to put a squre peg into a round hole.