Conventional Loan without Full 2 Year Work History?

[Andrew Self]

Hello everyone. Are there any lenders here that can finance a conventional loan without a full 2 years of work history? Full work history with no employment gaps since October 2023. Currently making $80000 salary. Lowest credit score of 713 and other 2 scores both 760+. Would really like to go conventional as a DSCR with no PPP has a much higher interest rate. I know we can start with DSCR and refinance, but then you're paying closing/origination costs twice. Anybody able to help?

[Austin Clarence]

Yessir that is fine. Lenders will ask what you were doing before.  Were you in school or training, or out for medical reasons. Can you go back years before and find previous work history? There are a lot of ways to meet the requirement