Are there any lenders here that can finance a conventional loan without a full 2 years of work history?

I want to do a bank statement loan(I’m an independent contractor)with just me on the new loan in Texas .

Even on conventional renovation loans, most lenders and borrowers still use Certified 203k Contractors b/c the guidelines/timelines/rules/processes are almost identical. 

If you provide more specific detail, and ask more specific questions, we will be able to provide answers in line with our knowledge/experience.  

Case 1 sounds like a DSCR loan.

As for non-bank loans, I'm familiar with a loan program that provides 100% financing, but it requires a minimum 650 credit score and proof of funds covering 12 months of interest.

Hello,I was wondering can you purchase a mutifamily home (duplex, triplex or quad) as an owner occupant residence with a USDA home loan?

Minimum loan amounts vary, but the product we work with most often starts at $500,000.

Most lending is based on cashflow, not the 2% rule (although still a good rule of thumb for some types of investments), might have the most help from the group if you provided some of those details here just so it'd be easier for us to help you best. 

Great question - 20% down is the typical down payment for investment properties, regardless if it's a single family, duplex, tri or quad.We have a 15% down option for the same type of loan.