Wow chuckles, Day Trading is a tough business. Anyhow, When you pull the money out its technically a loan not income. They are looking for income and you have none. Loan Decline unless of course you can find a income stated loan. In that case the loans approved.
Well, I've been "loaning" myself money for 9 years now, since I was 50. You can call it a loan and pay the money back if you want to avoid the penalty. I don't mind the taxes and penalty because it's less than I paid working. It's just how you look at things. I took a lump sum from my work when I retired, so this is all the money I have to work with. I don't get Social Security yet and no retirement pension. I also have money that is in a taxable acct. from my stock trading, but I can't live on it without taking from the IRA.