are no doc loans making a come back?

[Account Closed]

I'm self employed and have a 760 credit score. Due to write offs and deprecation my tax return is not that impressive. I flipped some really good SF contracts that would of been good keepers if  I knew of a loan product that would of allowed for investors in my situation to portfolio the houses.

[Darren Eady]

I don't agree.  We are not living in the days when the car mechanic knew how to fix your car.  Now they just plug their computer into your car and find out which car part to replace, not fix.  Same with underwriters and loans.  They get their computer generated approval or decline and act accordingly.  There are no conventional manual, common sense, underwrites anymore.  

You need a hard-money-lender that ignores income and lends to you because their is equity in the home and the deal makes sense.  Granted, HMLs will typically ONLY lend on investment properties, not on your primary residence.