Do I need to show proof of income?

[Oscar Flores]

I'm 19, and I don't have a job and I've been looking in to buying a house so I could house hack and my concern is that how long would it take me to get a loan.

[Joshua D.]

@Oscar Flores

Well the awnser is a big solid... It depends.

Most convetional and FHA uderwriters want to see 2 years of stable job history. So for the good 5% down stuff you out a while.

But you could tryin find a tired landlord and buy his duplex or something with owner financing.

Or do an "in house" loan from a local lender.

Or save up and pay cash for one. But being that you don't have a job that might be hard.

Good luck out there! .