The key is that 2 year work history that you'll need to establish.In certain circumstances you can use the income before you even receive your first paystub (certain relocation and job change scenarios), however typically you'll need to receive atleast 1 paystub to use it.If you have had no work within the last 12 months preceeding this new job then you may need to be on this job for a min of 6 months before you can close on this new loan which would hamper your plans to close within 45 days on this duplex.Then again scenario #3 if you have the credit and the down payment and the property cash flows from conventional underwriting perspective and you have "no credit card debts," on your credit report then you may be able to qualify any way since your debt to income or DTI will be 0% (property cash flows) no debt outstanding to qualify for as the duplex will be adding income to your scenario.I've had an underwriter okay scenario #3 above but have never funded a deal like.

Even worse are the people with no money who borrower $40,000 on their credit cards for the same mentoring program, with little chance of success.  

To pay off all our bills, and pay off what we owe on cars, credit cards, student loans, debt collectors, etc we would need around $125,000.  

You might be able to pull out the discrimination card on this one which might be enough to get them to move on.

Seed doesn't actually finance the deal, they just open up credit cards for you.

I use BofA for my Carpet Cleaning business just because they have merchant services so I can run cards and have it next day in my account.

I've read some people are accepting debit or credit cards but this seems risky as well since they can call their bank to dispute the charge.

My husband has the full time job and I'm doing all the research and trying to figure out how/when/where to make the first move.We've gotten the LLC formed - business phone number set up, business cards, all the proper paper work filed, etc...I've had my real estate license for 2 years (but never acted as a traditional realtor - sold 1 home and did rentals and referrals for family/friends).

Cozy.co website can send the combined application and screening that applicant pays for with their own credit card on your behalf and you get the application and reports once completed.

We have used personal loans, line of credit, credit cards (cash advances) and bank financing.