If two signals that are mirror-images of one another are combined, they attenuate each other. This is often called “phase cancellation” (which in truth is a bit imprecise, but will do for now). You can demonstrate this cancellation easily in your DAW by bringing up two identical tracks and then flipping the phase of one by hitting the polarity switch, usually rendered with a symbol resembling “Ø.”
The bottom line is, a lot of banks don’t know what to do with you if you’re a working-class songwriter. If you’re one of the few who has major hits on the radio right now with gold records and Grammys adorning your office, they’re a bit more comfortable loaning you money. But for the vast majority of us, it may be a struggle. So what can a songwriter in your position do? Based on my own experience, I’m here to help you with a few tips.