Low income but high cash on hand funding options (self employed)

[Justin Martin]

Hey All, 

I'm new to investing and need a little guidance on how to get some funding for a housing hack to fix and flip in 2 years. 

Basically I have the self-employed crux - I make around 100k a year GROSS but my NET is around 30k due to a business structure of planned expenses at the end of each year and that loss going straight to my personal return. 

I am talking to a lender now but I'm not sure if I qualify for anything of value. I have excellent credit and enough money in the bank to put 20% down on a half a million-dollar home but am not sure if I can be approved for funding via the traditional means because of my income. 

I guess my question is, what options do I have? Hard money is all that I can think of but that seems to suck for a house that I plan on living in, right? 

Thank you! - Justin

[Frank Hinck]

@Justin Martin

If using Hard Money you cannot house hack / live in the house during the Renovation, but once you refinance out of the Hard Money to a traditional or FHA you can house hack / occupy it. You could approach 20 local small banks and with a written business/financial plan and see if they would take this on which some could, try looking up / making a new thread of "best local banks in the _____ area".