Loan Officers in Cincinnati

[Jacob Willett]

Hello,

I am at the very beginning of my real estate journey. I have been researching via forums, books, and podcasts for a couple of months now I am ready to start getting into the next steps. However, I am currently a college student in a co-op program which determines my employment. Because of this I am unable to provide proof of consistent employment which certainly presents a roadblock in obtaining financing for an investment property.

I am looking for a loan officer/ mortgage broker around the Cincinnati are that would be willing to help me figure this situation out. What can I qualify for now? Could I qualify for more with a co-signer? What should I look for in a co-signer? What recommendations would you make in terms of loan type? (I am currently planning to go with FHA but I am open to other suggestions)

If you are, or you know, someone who may be able to help me figure this out, I would love to connect with you!

[Caroline Gerardo]

"co-op program" ?? Housing subsidy is not income for a mortgage. University grant/ pell grant/housing allowance also do not count as income. Do you have a payroll check? Two years w-2? If you have 20-25 % down and good credit you should be able to do a debt service ratio loan.