Is it possible to get financing without reportable income?

[Meagan Nicolds]

We are ready to buy our first investment property however, we do not have any regular reportable income. Currently about one third of the year my husband worka a W-2 job everything else is usually under the table work. Does anyone have any tips or know of private lenders that would be willing to work with our lack of reportable income in the meantime?

I am currently amending our 2019 taxes to include our self employed income.

[Chris Mason]

All income is "reportable" income. There are no Freddie Mac or Fannie Mae provisions for "under the table" income. 

Amend your taxes, be honest with the IRS, pay your tax bill, and then revisit.