maybe you could throw in more down payment the chance will be higher.
btw, please think carefully, since your appear in 3months, do you think you can still manage another loan?

you and your wife salary = RM5K
your commitment = RM2.5K
left RM2.5K
1K for home loan repayment.
are you sure 1.5k enough for both of you? include petrol, lunch and entertainment.

I'm just telling you that what loan officer will think before approve your loan. don't really care how much side income you have, and you can't prove it to the bank also.

if your side income generate healthy, I don't think there is any default payment.