do we specifically have to do verificaitoin of employment and calculate the co borrowers income, when the main loan applicants income covers the dti and all other qm requirements are met?

i think i have found in my answer in appendix Q.
"the income of each consumer who will be obligated for the mortgage debt and whose income is being relied upon in determinig the ATR must be analyzed to determine whterher his/her income level can be reasonable expected to continue"

my situation does not meet both scenarios. my borrowre will be obligated but her income isnt being relied on as co borrower just started this new position and all the ratios are good on borrowers income.