30 Year Mortgage Investment Property Question

[Zhesheng Ren]

Hello, my lender told me that he can use my business to get me a 30 year loan on a rental property.

However, if I sell my business then do I no longer qualify to buy a property in the future?

I make money in different ways and my personal taxable income was about $150k in 2022 ($30k of that was W-2) and 290k in 2023 (150k of that was W2s). Can I find a lender that can just use those numbers without using my business to buy an investment rental single home property? I guess I’m just a bit confused about the process.

Is there a way to just use the 1040 taxable income amount for a few years and average it out or do you actually need W-2s or to use my business fully to qualify? 

Also, do rates differ based on what method they’re using to do the loan — business bank account and business income vs. W-2s vs just taxable income numbers on 1040s?

it’s so hard for me to find a good lender for a 30 year mortgage in Florida. I just don’t know where to start really and I don’t know if they have my best interests in mind. 

can anyone explain this better for me?