Conventional Loan Partner

[Phillip Laven]

Hi! I am recently self-employed and do not have the 2 years of taxes required for traditional financing, refi, etc. I have funds, credit, assets, a primary residence (w/ equity) and a HELOC, but the banks still won't budge.

Does anyone know of traditional lending that may over-look this requirement for properties that have positive cash flow and would cover the mortgages? I don't think so but that's why I am asking. There are a few programs that more than double the current rate, extra fees and an early payoff fee. About half of what hard money would be and hard money would not be an option for a two year period :) 

The DSC program would most likely work if the deal is exceptional in order to ride out the 2 years and then hope conventional would be allowed for a refi. This would definitely slow down progress, deplete cash flow, and miss out on those base hits. 

I am open to partnering with someone that has a 2 year tax history in their current occupation. Feel free to connect and PM, thanks!