CMHC announcement addresses self-employed borrowers who have been operating their business for less than 24 months. It states additional factors will be considered such as acquiring an established business, cash reserves, previous training, education, experience, predictable earnings. The approach to each borrower is unique, case by case and the insurer is deferring to lenders to interpret these general guidelines.  This points to good news.  As more submissions are processed, we may get more clarity or improvements.