I would really like some incite on the qualification for hard money loans as well as FHA 203k loans.

LinkedIn seems to be a good way of just making your presence, background & qualifications known (it's almost always in the Top 4 results when you google a person's name - and the website itself is in the top 20 websites worldwide).

Starting out, I suggest you stay away from a new car loan, it usually messes up your income/qualification ratios, get a smaller loan, when it's less than six months to payoff they may not count that payment.Building credit takes time, what they are looking for is a history of paying as agreed, not debt paid off early.Get a job in line with your education....Good luck....

We rent to folks without SS#'s, but they have to be strong on all other qualification criteria.

Hey guys,I am considering a duplex in Texas and currently have one pre-qualification letter for a conventional loan with 25% down from one lender recommended by realtor.I am not too happy with a 4.25% rate and points (esp. if we have to put down 25% and not 20%).

Most agents look to qualifications at that time, that's not the issue, it's where the buyer is down the road.

Yes, student debt is a debt that applies to your qualification ratios, best way to reduce that is.....STAY IN SCHOOL!

This is a sample with a 4.5% rate 30 year fixed payment qualification includes tax and insurance and $500 in borrower monthly debt (car, credit cards...)

Anyone that works with material that contains lead paint has to have some minimum amount of qualification, which is why I'd suggest demoing as part of your scope to get lead certificates.

However, lenders will count the rental income towards your qualification.