Throw in 3 years of verifiable income, and I think we've got it licked.
A "one size fits all" approach just doesn't work, but common sense does. If I'm a mortgage lender, I would demand 25% down (or more) from attorneys, due to their sophistication and knowledge of ways to get around the system.
Attorneys have a poor reputation when it comes to paying their bills on time.
I agree on attorneys...but enforcing a different set of rules on one type of people would open the door for lawsuits...wait, that brings in more attorneys!