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Updated over 7 years ago,

User Stats

23
Posts
11
Votes
Mindi B.
  • Investor
  • Phoenix, AZ
11
Votes |
23
Posts

No doc loans still available?

Mindi B.
  • Investor
  • Phoenix, AZ
Posted

I would like to purchase an owner-occupied property in the near future. Problem is I am self-employed and I don't pay myself a very high salary. I keep the majority of my profit within the business to keep income tax low, but realize this makes me look like a terrible candidate for a mortgage. I can increase my salary to inflate my income but would rather not. Do lenders still offer no doc loans? If so what is the minimum down payment I would need? Any other options for the self-employed? I have an excellent FICO score. 

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