Advice for loans after bankruptcy and foreclosure

[Aaron Ross]

I have gone thru a recent bankruptcy and a foreclosure 2 years ago, what options do I have in getting into small duplex rental investments and working my way up to larger multi- family in the future?

[Jesse Gonzalez]

Derogatory Event	Waiting Period Requirements	Waiting Period with extenuating circumstances
BK Chapter 7 or 11	4 years	2 years
BK Chapter 13	2 years from discharge 4 years from dismissal date	2 years from discharge and 2 from dismissal
Multiple BK Filings	5 yrs if more than one filing within the past 7 years	3 yrs from most recent discharge or dismissal
Foreclosure	7 years	3 years and 90% max ltv, must be principle residence purchase
Short sale	2 years and 80% max ltv	2 years and 90% max ltv