I called them and we spoke about being a borrower and about being loan broker.

Personal Financial Statement Borrower’s Schedule of Real Estate – or- Resume illustrating experience2-3yrs Personal & Property Tax Returns – All schedulesPrevious Year and YTD Property Profit & Loss statement w/ detailed expensesRent Roll w/ detailed lease informationCopies of all Leases3mo.

Consider using DSCR loans- Cash flow of the property is considered in lieu of your income3.Consider purchasing in a different asset class (Large multifamily) where borrowing will be a function o fthe property income, not yours

Im literally closing a loan on Monday where my borrower had a similar situation - the borrower's ex-wife was awarded the property and assigned the debt in the divorce in 2020.

However, these programs typically qualifies borrowers based on their income, such as tax returns.The DSCR would be a good option considering you and your husband are entrepreneurs and the tax returns don't look good on paper.

FYI, most of my CFO clients borrow from HMLs that will lend up to 100% of their rehab costs. 

The structure will depend on the down payment, quality of borrower, terms of note, your cash out of the note sale needs, and other factors. 

A borrower really needs to have at least some "skin in the game" to make lenders feel comfortable.

Yes there are alternatives for both beige and 30 year loans for no US borrowers.

How much are you needing to borrow?