I know this has been answered on here before...but does anybody have any expertise on how to justify an airline pilot salary to a bank's loan department?

I'm trying to get a 6 month construction loan to finish a place, then that would be taken over by a conventional mortgage of some type once an occupancy permit is issued.

Lady at bank tells me my salary doesn't justify the loan. This isn't a million dollar home...couple hundred grand. I'm a new hire, only been here 6 months after retiring from the military so naturally, the pay has been low. I tried to explain the hours and pay scale thing to them and they said that is all "projected earnings" and that my salary since retirement doesn't warrant a loan.

Anybody got any expertise or experience on how to work this thing? I was polite about it, but basically asked her..."if a guy who has retired from the military, with a monthly retirement check, no debt, and a job as a pilot at Delta airlines can't get a loan for a couple hundred grand... who is getting them then?"