Read your local laws. 

Unfortunately many lenders will see this as a red flag and may not take the risk to lend you the rest of the money even if you use stated income program or bank statement program but those are for self employed borrowers who have active income from their business but write off to many expenses that when filling their taxes their net income is really low or sometimes negative.

Instead of using your personal income, employment history and DTI to qualify, a lender would look at the income or potential income of the property to make sure it cash flows after taxes and insurance are accounted for.

She has a good-paying job, and her employment has not been affected. 

Thanks for the reply, job and employment data is should help me determine upcoming demand.

I've only done one of these and the seller was well versed and kind of led the way so now it is my turn to get educated on it 🤓After lots of reading/listening/learning I am wondering why do we all tend to use LLCs more than Land Trusts in Florida?

**Verify Employment and Income Directly**: Since they might lack a U.S. credit score, contacting their employer directly can help verify their job status and salary.

I keep reading different things online.

Its actually so simple is seems silly when you read about it, but that is the beauty.

@Tim DelaneyHey, I have read books from CPAs that have said how I can reduce my taxes.