my morgage is rbc. i gave them my husband's noa, last year our noa total $42000, include $9600 ei incoming. my husband still have $ 26000 osap, $10000 car leasing fee, our house price is $320000, down payment 35%. if they need to check incoming i think we don't have enough, but they don't check it. so i got 65% morgage. i think rbc can do 35% down payment don't need to check incoming, it is from my experience