Was it a NAR approved disclosure statement.I suspect the rules regarding the disclosure statement vary by jurisdiction. 

.**** My current issue with the lender that I recently spoke with was that I had to have experience building a SFR on my own property and have sold or refinanced and held in order to be approved for the loan.

I am looking into my first property and have been pre-approved for a renovation loan from a conventional lender.

I also require additional security deposit and sometimes a guarantor if they were approved in this manner.I also agree that this situation sounds like a pattern not a one-time mistake or short term tough situation that caused this.  

Still, you may not have to submit your tax returns. more info would be needed to know for sure, reach out to a seasoned loan officer for pre-approval and see if your situation would allow for this. 

Quote from @Jack Deer:  I think @Tyler Hall's answer was pretty spot on.You can buy liens in Texas, but it is pretty difficult and you do so with the owners approval and cooperation. 

There's a lot to this and illinois will not approve you without these things in place, as well as some others.Good luck.

Employment is a key factor in tenant approval, and a good tenant should understand that.🔹 Final Thought: If a tenant is already pushing back on basic screening, it’s often a sign of future issues.

Not sure if that is the case for you or if you are worried about burnout but if not, I would continue making extra as a nurse which will help with getting you approved based on income for future homes. 

Staying ahead of the game by understanding how local regulations align with state bills like SB-9, SB-684, and SB-423 can open doors to exciting development projects.SB-9: Simplifying Lot Splits and Duplex BuildsSB-9 streamlines the process for lot splits and duplex construction, offering a straightforward way to increase property value and expand housing options.SB-684: More Flexibility for Smaller ProjectsFor urban lots under 5 acres, SB-684 makes it easier to pursue smaller housing developments, transforming overlooked properties and vacant lots into productive investments.SB-423: Faster Approvals, Fewer HeadachesNo one likes endless waiting.