Financing For Self Employed

[Nathan Claire]

Hey there, I am a real estate investor in Jacksonville, FL and I had a question about that best way to get financing for properties without currently having any income and not having 1-2 years of self employment tax docs.

I have plenty of cash and my credit score is 760, yet a lot of the lenders I speak to (credit unions, private lenders) won’t lend to me without income verification or tax records.

I am wondering the best way to go about getting financing to leverage my ability to purchase more properties. I know about HELOC and Refi but even those require some degree of income to get a bank to do it. I thought about acquiring a few rentals first with cash so that I could use those rents as income to help get financing.

If anyone has any suggestions, please let me know.

I am aware of hard money yet it’s difficult to get good lenders/rates for buy and hold properties.