However, there's a loss on the 2023 Tax Returns, and Net Income is $45,000 in 2022 (Client has lots of writeoffs) What loans could I use that only consider:- Bank Statements - 1099s - Credit Score Please contact me with options.

@Roman StefaniwWhen retirement accounts in the US get financing, the loans are called "non-recourse."

Banks need for them to build recognized credit before doing an FHA type loan.

If you create or fund an IUL instead of paying cash you can then get a loan on the IUL.

Home 1 is ideal for a fix-and-flip loan to fund the remaining $90K, which I can help you evaluate options.

FHA loans can be a good option here, allowing you to put down a lower down payment.## NetworkingNetworking is key in real estate investing.

I plan to apply for an FHA loan for my first investment if I were to find a deal, but if I can't something that works for buy and hold.

is so what lender did you use that provide non recourse loan?

I have a bank locally that will use DOT as collateral for loans.

If you are interested in becoming a landlord or buy and hold investor a great way to get started is by house hacking a multifamily with an owner occupied loan.