Conventional Lending - What are my chances?

[Jay Neaves]

To give you a brief overview of my situation... I'm from the UK, my wife is from Michigan. We currently live in the UK but will be moving back to Michigan next year. I'll be a full time real estate investor.

I'll have approximately $300k start up capital. The concern I have is that I won't be able to leverage. My plan is predominantly buy & hold (although I'll probably be throwing in the odd flip, if it makes sense) so leverage is going to be key.

I will have very little in the way of "documentation" (no tax returns etc.) but I do have a US bank account that has always been in very good order and a US credit card. Therefore, I have a fairly solid credit score. So my question really is what are my chances on securing conventional lending?

For me, I have large down payments and a decent credit score. Against me, I have no tax returns and little in the way of bill paying history.

Any advice would be really appreciated.