Looking to acquire our first house hack next year!

[Steven Terrell]

Hey BP family I need some guidance. Next year my fiancé and I are looking to acquire our first tri-plex or quad-plex to house hack. She works a w-2 job (Old National Bank) and I'm a 1099 contractor (RE Agent).

I've only been in RE since last December. Typically I'd need 2 years of consistent income since I'm an independent contractor. Is there anyway that I can still have ownership of the property even though I don't have 2 years of income? Is there any way they could use her w-2 for income but run my credit for the loan, or do I have to wait until I have two years of steady income for us to both qualify?

Our goal is to put the least amount down possible! Any suggestions would help us tremendously thank you.