Quote from @NA NA: I'm sorry, but you have to accept responsibility for these decisions.

NONE of these "ands" is a guarantee so it mathematically is incorrect to call it a numbers game.it is NOT a numbers game.The harsh reality of the matter is you need to think, and stop accepting opinions from others just because you want them to be true.

I made myself take QB classes and struggled for years, my CPA said what I am doing is about 80% correct and it was a ton of work to clean up the files. 80% is not acceptable for me when it comes to IRS stuff.

Perhaps, it is best that we terminate the lease because I can’t continue accepting late payments until the lease is up.  

Thanks so much for your help in advance Short answer is yes there are no income products and or stated income products you could utilize till you eventually start filing an acceptable form of income to qualify back for full documentation loans again (eventually).

Reach out to a few, see who you like and see if they are accepting new clients.

@Seth Quade how long does someone need to prove they've turned their life around before you would accept them?

Any special lenders that you were using that accept foreign nationals?

The appraisals that are submitted to us by borrowers “hoping” we will accept them are often performed by “state licensed” appraiser who do not hold the MAI designation.  

I don't have any restrictions on pets with the exception of 2 things: no dogs under the age of 1, and breeds listed on my insurance policy that are not accepted.