Thereby keeping the government’s hand off your family’s money. 

There is a solution though because there is Non/QM which offers a few programs like (1) year 1099, Bank Statement, and DSCR programs. 1 year 1099 is self-explanatory, Bank statement uses 12 or 24 months bank statements gross deposits and divides that income usually 75% over 12 or 24 months, and DSCR requires No income or job, it uses the rents of the property as income as long as the rent(s) are equal to or greater than the proposed PITI payment.None of the above Non/QM offer construction loans though so you will need to stay W2 or wait 2 years.

Hey Jephte,Most DSCR lenders are going to have significantly less seasoning requirements, usually around 6 months, and honestly, you might be surprised at how competitive the rates would be.I know of a program that can refinance at 90 days seasoning with rates in the 6s right now, just sent a DM and would love to see if we can help.Good luck!

My BEST advice is that unless someone is going to invest a lot of time in education and money to gain hands on experience, they’re better off investing in passive investments and leaving the “heavy lifting” to the people for whom investing is a full time occupation.    100% agree - and for me full time occupation means actually doing it full time and not running around the country selling some $50,000 program.

They also have a Coaching Program, run by 3 people who are members.

"I am not a good lender for this program, you should go to..." or "that seller carry on a residential transaction is not actually possible in the lending landscape of today" etc).3) Better rate, wrong program. 

For those who have run or participated in referral programs, what strategies have you found most effective?

@Kyle MasonTo increase your loan amount, consider strategies like increasing rental income, co-signing with a co-signer, using portfolio loans, negotiating seller financing, down payment assistance programs, paying down debt, and considering alternative loan products like DSCR loans, non-QM loans, and bridge loans.

Lenders are now recognizing ADUs more accurately, especially as national programs like Fannie Mae and Freddie Mac incorporate them into their guidelines.

Getting a new roof is important for ensuring that the property meets the standards required by most loan programs.