My new income is not established enough to get bank Loan

[Philip Seymore]

I'm Looking for options to buy multi family or residential if I have not established income for a year. Cash buy limits me some. Owner financing, i have to really search.I have solid liquid funds and my credit is excellent.

I'm looking for Idea's,  Thank's

[Austin Steed]

@Philip Seymore I always try and work with smaller and community banks in Columbus Oh. These types of banks do portfolio loans which gives you many more options than the banks that only sell to the secondary market. I'm finding banks doing 80 - 85% LTV for cash out refi's... much better for BRRR's than getting the traditional 70% from other banks!

Also these banks take into account a qualitative approach where relationships have much more meaning.