I suspect a good, steady income is also important - preferably a few years I think.
(in addition to a high enough income and significant cash flow).
OP, I don't understand. Why would your annual salary look like half what it really is.... wouldn't that even out after the first year? If part of your first year's income gets counted in your second year and so on?
Present: 2013 M3 coupe (Azurite Black, Black, Piano Black)
Past: 2010 335i coupe (Monaco Blue, Cream Beige, Grey Poplar)
+ miata nut (2004 GT/LS and 2013 GS/Club Edition)