To make a long story short, sloppiness and absolute blind trust i.e. stupidity (in hindsight of course) has me being pushed out of my current rental portfolio, currently 15 SFR's, 3 duplexes, and an 8-plex. Long story short, I am trying to buy just one of the SFR properties to keep a roof over my head. However, because we filed the business almost exclusively through my girlfriend for the last 8 years, my tax returns are almost useless when it comes to getting financing. I worked misc. 1099 side jobs and built our portfolio full-time. We were not married. I believe legality favors her by a land slide, and my attorney seems to be leaning that way as well. So, my question is....how do I get a loan on a house for 110k (house is worth at least 160k) without much going for me on paper. Her family wants to cut all ties, so leaving the existing mortgage in place (which her, me, and her parents are all on, both title and mortgage) is not an option. Looking for ideas. I have no family, and most of my friends are living paycheck to paycheck. I do have some cash and a 30k Vanguard fund. My former partners can vouch for my track record in the business, everyone at the bank knows the role I played in rehabbing all of these (but no paper trail, they simply know because of our personal relationship), but on paper that's relevant to banks, I have almost nothing to my name. Any ideas are appreciated. I could probably negotiate for a few more properties out of the deal, but I would need a financing parter, and that wouldn't leave much wiggle room for equity and cashflow. My primary goal is to keep the roof over my head.