Typically your two options would be:Show a tax return for the current year with substantially higher income (i.e. claim more of your cash income on your taxes and wait until 2020 filing are been completed to purchase.Have someone co-sign on the loan.Co-signing is usually the simplest and fastest route, but if that doesn't work for you then you might speak with the lender about the first idea.Good luck with the upcoming purchase!

That is the simplest I can write it.

In contracts the simplest ones are generally the best.

This is the simplest method, but it also means your tenants are more likely to abuse the utilities by leaving windows open with the heat or A/C running, leaving lights on, ignoring the toilet that constantly flushes on its own, etc.3.

One of the simplest investments out there. 

This is the simplest way to do it. 

The simplest way I've seen it done is by creating an LLC to purchase a property in the LLCs name.

The simplest way I can explain to find a mentor is to find someone that has what you want and is doing or has done what it is you're wanting to do.

The simplest example would be an index fund such as SPY or QQQ.- During its lifetime the investment produces some dividends and realized capital gains totaling 100% of the original investment (this is an assumption for the easy math, actual results may vary).- The Investment LLC distributes the proceeds as follows:   - Roth IRA gets $5K of the principal and $95K of the dividends/gains, totaling $100K;  - Traditional IRA gets $95K of the principal and $5K of the dividends/gains, also totalling $100K- If account owner decides to cash out and close all accounts at that point, they would get $170K in cash (assuming 30% tax rate and no penalty because of age over 59 1/2)Tax savings:- Traditional IRA that doubled from $100K to $200K: cash out value is $140K (30% tax on the entire balance).- Converting the whole initial amount of $100K to Roth would cost the investor $30K in taxes.  

This is the simplest method, but it also means your tenants are more likely to abuse the utilities by leaving windows open with the heat or A/C running, leaving lights on, ignoring the toilet that constantly flushes on its own, etc.3.