Is it possible to get a mortgage with no W2 history

[Jalen Wilson]

I want to use the brrrr strategy to buy my first property, but I don’t have a w2 history. The work I do is for a waterslide company and they don’t report anything, and I cut grass as well while being a full time college student. I have a 755 credit score, 20k saved. What are my options?

[Robin Simon]

Quote from @Jalen Wilson:

I want to use the brrrr strategy to buy my first property, but I don’t have a w2 history. The work I do is for a waterslide company and they don’t report anything, and I cut grass as well while being a full time college student. I have a 755 credit score, 20k saved. What are my options?

Yes for sure - you should definitely check out hard money loans to assist with the purchase and then "DSCR Loans" for the cash-out refinance (DSCR Loans are made particularly for investors like you - no DTI or W2 considered at all)

Published an article last year on BP on this exact topic (BRRRR method financing options) hope it helps!

https://www.biggerpockets.com/blog/brrrr-loans-what-are-the-...