Private Lender w/ low rates for high LTV

[Account Closed]

Hi Guys, as subject mentions i'm interested in trying to find a private lender that can offer low rates for higher LTV on primary residence property.

I'm in a situation where i'm newly self employed (1.5 years) so dont have enough tax records to qualify for FHA lending. I also have zero debt (student loans paid off, bought and paid off multiple cars, etc), but my credit score isnt amazing just mostly cause of lack of accounts (lets call it around 620 fico 8, higher on credit karma).

In the last 12 months, my company (LLC, sole owner) did over 1.2m in revenue, and i have cash to put a good % LTV down.

Is there any lenders out there that have programs that can work for me?  Feel like given my company is doing really well and i have good cash flow and no debt it shouldnt be this hard to find a decent loan.  

[Chris Seveney]

@Alex Soifer

What do you consider low rates? With your credit and situation if you were below 12% I would say that’s a huge win from a private lender