Immediate goal:I'm currently not employed.

a) <12 months self employed is hard money only.b) 12-24 months = "non-QM" alt doc loans open up.

Not having 2 full years of tax returns and being self employed is keeping me from using local portfolio lenders.

Not having 2 full years of tax returns and being self employed is keeping me from using local portfolio lenders.

So the first part of that was a cash out refi on my condo(it’s SoFla, I owe 89k, condo is worth 138k now) to get money for my first multifamily property.The advisor I spoke to worried because I’ve only been “self-employed” for 6 months, she said they want 2 years of proof of self-employment.Any help on how to get my cash out refi so I can finally get on my path to Invest in Real Estate, financial freedom, and spending time with my family!

Forward your eviction & conversations to their employer.

Me and my wife are both self-employed.

There is nothing bad on the report, but it is lacking any type of employment history.

Now I am looking into other options in finding funds to buy more properties, but since I am not on an employer payroll I believe will make it harder to find a loan and wanted to ask for your OoInIoms.

I am already running into a speed bump (I started a new business, so lenders aren't a fan of self-employed income.