Seeking Lender (CALIFORNIA)

[Mark Feaver]

Hi, I will keep this brief and hopefully clear. I currently own one triplex (FHA) and seeking to purchase second multi-family (2-4 unit). I have a bit of a unique financial situation. Here is my current financial situation:

Three jobs

• Job A ($1700-$2000/month) part-time w/ 10 year work history
• Job B ($1200-$1400/month) part-time w/ 4 month work history (same profession as Job A)
• Job C ($400-$600/month) my business, with two years of tax returns.
• Total income/month = $3,300-$4,000/month.
• $98,000 in assets/liquid cash (Roth IRA, HSA, savings, etc.)
• The only debt I have is the triplex I currently own.
• I owe $251,000
• PITI = $1700/month
• Utilities = $405/month
• Rental income = $2400

I would like to owner occupy the second property as well, but I am not able to refinance right now into a conventional mortgage out of an FHA.

Thank you in advance!