Self Employed w/ No Debt and Excellent Credit need loan in TULSA

[Erika Elko]

Hi BP Community - my husband and I have both been accepted into the Tulsa Remote community and are looking to buy our first home. For those unfamiliar, we each get 10K reimbursed if we purchase in the Tulsa proper so we are taking advantage! 

The issue is that I have been reporting self employment for just 2020 and 2021 tax returns. My 2020 income wasn't the highest as times were unpredictable and I wasn't planning necessarily to buy a home back then, but here we are. My 2021 income is great, credit is 800, and have zero debt. My husband is also starting a new commission - based job in May so his income isn't of much help right now even though he will be close to 90-100K.

Looking for creative options for financing or lenders who only look at one year of returns.