Paypal will not count as DD. . it must be from a true employer as it's manually checked over and I tried the paypal trick last year.

Beware: Most of the flagstar banks will do a HARD on tu. They'll say there is no way around it and they MAY tell you it is a soft. I had to write letters to corporate and they eventually took it off and gave ma free gift.(carbon monoxide detector, woo hoo).