When it came time to to buy and close on the home the management company had compiled 4 yrs of payment history that was reported to credit bureaus and had all ready reported the prepaid 10k down to the seller too.

Are you working with a property management company or trying to do this yourself from afar?

If I can’t confirm 100% by sleuthing that way and talking to people, then I have the seller provide whatever proof they can that they really own the property, and also have my title company run an O&E, part of which is snail-mailing a letter to the owner in public record’s primary address so the owner gets notice that their property is for sale and hopefully call the title company and ask what’s going on if they’re not actually trying to sell. 

However, the issue I have is that I only have 1 year of solid income from the business, the year prior to that is inadequate, and I know most mortgage companies require 2 years of income to qualify.

It's been pretty hard finding companies that do this so I would like to ask all of you.

Because of this and many other companies with HQs or a large presence here, the home prices are climbing and will continue to.

If you can become friends with someone with a license who looks at dumps, they would love company on some of those trips and a potential client as you learn.

@Audrey BlotzYou might call a title company to see if they have any thoughts about searching property records for homes w/ ADUs.

What I have seen most Loan Officers do is split marketing costs, but you can't pay more since that could also be considered a kickback.I have also seen companies have realtor's get licensed as an MLO while they handle most of the transaction for them and pay them a cut since they will be the MLO and Realtor on the loan. 

Let me know if you want a connection to the company who recently built a pool at one of my STRs, JAM Pools.