Finding a lender as a travel healthcare worker

[Allyson Mitchell]

Hey! My name is Ally and I am a traveling radiation therapist.  A huge reason why I decided to travel was so that I could make more income allowing me to invest in real estate. The income is great, however i’m realizing upon furthering my research that I am probably going to struggle to find a lender. The reason for this being that most lenders see travelers as unstable because we change jobs every 13 weeks, our income often varies, and we often have gaps in our employment between contracts to travel, be around family, ect. When in reality there is a desperate need for healthcare workers around the country and we could have a job tomorrow if we wanted. Any advice to finding a lender under these stipulations would be great. In addition to that, I am also concerned as to how big of a loan I can get, as travelers taxable income is significantly less than what they are actually making with stipends. For example $50,000 a year taxable with all my assignments, but  making $60,000 in stipends. So I’m assuming a lender would only take into account the $50,000 taxable and not the addition $60,000 I would have.  I also have a partner with a full time job and great credit score as well, so maybe my best option would be to include him and have him apply for the mortgage. However I prefer it to just be me as this is currently my goal of becoming financially free through real estate and not his at this time. I am a new to all this and my situation makes things a little more difficult so any recommendations or advice would be great! Thank you☺️