Financing issue....well maybe

[Alex San]

I recently discovered you guys and am taking in as much info as I can. One roadblock which keeps coming up on financing. I have perfect credit (800 fico) and cash to back me up (200k) however I do not want to throw all my eggs into one basket so I am trying to get financing from banks. They all want tax returns. Although I make a decent amount of money, as I work for myself, the reporting and tax forms do not reflect that because of write offs. My income is as close to zero as possible once the return is complete. I have not found a bank that wants to extend funding to me even if I put 50-100k on a 200-300k property. My only alternative is hard money and the interest rates and fees are insane. What do I do?????