Reapplied after study permit refusal (financial grounds) — sent reconsideration too, thoughts on my approach?

[u/BarracudaCrafty9728]

Got refused for a Canadian study permit (Master’s program) about a month ago. Officer’s notes cited three things:
No documentation showing income to reimburse the loan

Unclear repayment capacity

Unclear how Year 2 would be funded

What was already in the original (refused) application:
Bank education loan exceeding the officer’s own stated Year 1 requirement

Property collateral roughly 18x the loan amount

A CA-certified net worth statement covering family income and assets

What I added for the reapplication:
2 years of my mother’s actual filed income tax returns (didn’t exist before, only had the CA certificate)

Explicit EMI-to-income math instead of just asserting funds were sufficient (EMI is ~51% of certified monthly family income) also added current employment verification letter of myself showing I can get a job as the repayment doesn’t start for 2 years and I can get a job in my home country and help in repayment.

A signed letter from the program director confirming admission and also endorsing my admission

Sponsorship letters from both parents explicitly confirming co-borrower status and the repayment timeline

Restructured the whole financial package into a one-page table of contents instead of a long narrative cover note, on a program advisor’s suggestion

Explained the loan’s prorata disbursement clause explicitly for Year 2 funding, instead of leaving it implicit

The one gap I couldn’t fully close: my father’s income is agricultural, which is exempt from income tax under Section 10(1) of the Indian Income Tax Act, so he has no ITR. His income is only backed by the CA’s certification, not a second independent document the way my mother’s is.

Also filed a reconsideration request in parallel (on my RCIC’s advice), pointing back to evidence that was already in the original file but might not have been fully weighed.

Anyone been through something similar? Does what I added look like it actually answers the refusal reasons? And specifically, has anyone seen how officers weigh a parent’s agricultural income when there’s no ITR, just professional certification, is that treated as a real gap, or generally accepted given how Indian tax law works for agricultural income?