. :-)I'm willing to bet that the real GCs in Texas are every bit as good as in Cali.Agreed.All you need for a GC in TX is to file a business license with the state the last time I checked where in CA that's the last step with the fictitious entity at the county and city post qualifications/experience, testing, and backgrounds as you know @Bruce Woodruff 

A pre-qualification form.

We always consider gig employment so long as it meets our qualification of 3x the amount of rent and verifiable income for 1 year. 

On a positive there are 15-20-30 year amortizations and increasing income qualifications including instant approval and AVM (no appraisal requirements) for very clean applicants, and creative documentation for self-employed borrowers or investors such as bank statements or even DSCR (usually up to 75%LTV) for investment properties. 

For DSCR qualification that 1%-1.5% makes a big difference.   

The reason it may work is because as you lease the property up the value will increase making it possible to refi into a Perm Loan after the property is stabilized.I don't know if this is what you want to hear, but it is the truth and that is what you'll always get from me.I love talking shop, you can reach out anytime and we can discuss the scenario and your qualifications and I'll give you the real deal on what is and is not possible.

Additionally, you could explore creative financing options like seller financing or lease options, which can provide more flexibility without immediately impacting your loan qualifications. 

I think your best bet is to go with a Correspondent Lender like we are because we can get you multiple offers to ensure you get the best rates and terms available for your scenario.The best lender is going to depend on the qualifications of the borrower, the property and tenant type as well as some of the specifics of the lending scenario.For the Borrower:1.

Landlords can conduct credit and background checks and have applicants submit  pay stubs and any other qualifications they may require of any applicant. 

Never mind the qualification that may have been requested.