I am just getting started and I want to rehab homes. I am planning on getting my deals from a good wholesaler in the area, which I am currently looking for, but I have to figure out the financial side. I went to a presentation at a local real estate club and the option that seems best to me is to use a hard money lender but I have a little issue in that the lender who gave the presentation said that to get pre-qualified most all lenders require the last 2 years W-2 and tax returns. Now this is an issue for me because up until last year I did all my work under the table, don't tell Uncle Sam, so I only have 1 year of W-2 and tax returns. The solution that I thought of is to have a good friend of mine who is interested investing with me be the one who gets pre-approved for the hard money loan but I don't know if 1) will that work and 2) how I could structure/arrange that so that we can move forward with him as my financial partner? Any ideas would be greatly appreciated. Thanks!!