Social Security/Pension Awards Letter (if applicable) W2s and 1099s - Last 2 Years Personal Tax Returns - Last 2 Years Business Tax Returns - Last 2 Years with the K-1’s (if applicable) Bank Statements – Most recent 2 Months for all checking/savings/stock accounts (all pages) Bank Statements – Most recent Quarterly statement for all retirement accounts (all pages) For all properties owned (if applicable): Need most recent Mortgage Statement Need property tax bill (if property is located outside of the Bay Area) Need Homeowner's Insurance declaration page – showing annual premium Need documentation to show the HOA dues (if applicable) Need current lease(s) (if acquired within the last 2 years) Driver's License – a pic with your smartphone works great Divorce Decree (if applicable) Previous employment history covering the 2 most recent years Company/Position/Start Date/End Date Previous residence history covering the 2 most recent years Address/Start Date/End Date/Rent Amount

As Bill mentioned, lenders didn't take kindly to be self-employed in a "new" field even though the income was there.

A few contributing factors: (1) my wife already worked remote pre-COVID and my employer is WFH until at least early next year, (2) we're paying an ungodly amount in rent for a tiny apartment without any of the original benefits of living in the city, and (3) we plan to spend the next 3-5 yrs on the west coast before eventually moving back east.The current strategy I'm debating is two-fold.

Tree fell on a rental property roofWife's car sustained $7,000 in hail damage, because employer won't pay for covered airport parkingIs this enough to make our premiums so much more expensive? 

"an LLC with only one member is treated as an entity disregarded as separate from its owner for income tax purposes (but as a separate entity for purposes of employment tax and certain excise taxes)" irs.gov.  

I started investing in real estate when my employer made changes to the pension plan (they stopped contributing to it).

They are basically saying we don't care about our current local employers, we only care about new money. 

Redirected me to FOAC which will bundle 7 and moreDyer Mortgage Group, small local lender "Customized loans for self-employed borrowers or special/unique situations"Fidelity Bank of Florida, Investment mortgages, very small local lender Joy Winslow VP residential lending https://www.fidelitybankofflorida.com/AdditionalProducts/Mortgages.aspx.Five Stars Mortgage- https://www.fivestarsmortgage.com/ 20% down nationalFlorida Best Rate- C2 Financial Corp.

I’m sure there are many variations of this (assuming it’s a spin-off of the Infinite Banking / Bank on Yourself concepts), but wondering if anyone is employing this Family Bank concept.

Courtsey - https://www.cio.com/article/3219718/the-13-best-value-cities-for-hiring-tech-talent.htmlhttps://www.cnbc.com/2019/05/07/this-is-the-top-city-for-small-business-in-the-us-study.htmlhttps://www.crainsdetroit.com/other-voices/attracting-tech-companies-would-help-diversify-economyhttps://www.innovationleader.com/top-10-us-cities-for-corporate-innovation/top-10-cities-for-corporate-innovation/1055.articleSo the Population trend is reversing as multiracial millennials are moving into the core areas, partly due to affordability and also due to employment opportunities, and the next consensus in 2020 should give us a good indication of this.