Lender numbers modeling? Is there a service to run numbers?

[Adam Sankowski]

Ok, throwing this one out there... I'm currently employed 40+ hours a week W2 and my wife is as well. We might have the opportunity to reduce to part time, which would be awesome but... I don't want to shoot myself in the foot and suddenly not be able to refinance out of an upcoming BRRRR and new build house situation that I have going on.

Is there a service that anyone knows of, or is there a lender out there that I could pay? (PM me) to run some numbers and see what I could qualify for.  I know that lenders do this all the time but I have a lot of annoying variable questions and I'm going to take up someone's time when I might not be ready to actually work with them.  So I'd love to just pay for their time upfront and would love to figure out roughly how many hours of work I can cut and still qualify for loans.  I'd hate to cut back to 20 hours only to find out that I can no longer really invest anymore.  Let me know if anyone else has come up on this and found a solution?  If it matters location I invest/ live in the Somerville, Cambridge, Boston area and also invest out of state in Indianapolis and Kansas City. Thanks!

[Charlie MacPherson]

@Adam Sankowski Any reputable lender will run scenarios for you at no cost.  

I'd talk with Rockland Trust, Eastern Bank, Salem 5 or a local mortgage broker.  PM me if you want a couple of names.

DISCLOSURE - I have no relationship with any lender, nor do I receive any compensation of any kind from them.