BRRRR - without 2 years of being self employed

[Kara Beckmann]

Has anyone tried to refinance one of their properties without having two years of self-employed tax returns? 

My lender is suggesting that I create a trust and then use that trust to claim trust income while we are refinancing for a cash out loan. Once the refinance is complete, I can then close down the trust. 

Is this my only option?

Thank you in advance for any advice!

[Nicholas Covington]

There are plenty of portfolio/commercial product that only care about your credit score and the income the property produces. This means that personal income is not verified nor cared about.