How get refinanced when not employed?

[Manco Snead]

Greetings,

I'm looking for a way around a major refinance snag. I'm in the process of refinancing my duplex; everything is satisfactory to the underwriter (salary, savings,equity, credit score, appraisal, the property cash flows) except my current state of unemployment. I work contract to contract, job to job. I normally go through periods with a few months off at a time, then a job comes up. Though something always comes up I currently am not working and have no promise from an employer of future work. This is the deal breaker in the eyes of the underwriter. My question: has anyone dealt with this scenario or does anyone have creative ideas of what I could present to the underwriter to get around this issue?

Thanks