Investment Info:Single-family residence fix & flip investment in Wilbraham.

SBA 504 is the loan that you might qualify for, Would love to setup a call with you to prequalify the deal and get you term sheet.Regards,Abhishek Patel (AB)O: 224-702-5211Blackswan Commercial Capitalwww.blackswancommercialcapital.com

Investment Info:Single-family residence buy & hold investment.

From: https://www.irs.gov/publications/p925#en_US_2022_publink1000...Qualifications.You qualified as a real estate professional for the year if you met both of the following requirements.More than half of the personal services you performed in all trades or businesses during the tax year were performed in real property trades or businesses in which you materially participated.You performed more than 750 hours of services during the tax year in real property trades or businesses in which you materially participated.Don’t count personal services you performed as an employee in real property trades or businesses unless you were a 5% owner of your employer.

I currently own a 2020 construction, 4 bed, 2 bath SFR. Financed with an FHA loan and mortgage being right about $2,000 monthly, included escrow for insurance and homeowners' insurance. I also have solar panels on the...

@Nolan Mahoney, if you're looking to buy another primary residence with low down payment, DSCR is not an option you should consider exploring as many may suggest.

Investment Info:Single-family residence buy & hold investment.

If you can roll it into a self directed ira or solo 401k (if you qualify) then you can make this investment without taxes and penalties.  

This is a portfolio loan offered by local credit unions where you can buy up to 5 pure investment properties with as little as 5% down if you qualify, which you do have to qualify still with DTI, credit, reserve requirements, etc.  

@Matt M AntonioFinding a lender who understands and specializes in working with self-employed individuals, especially in the context of Non-QM (Non-Qualified Mortgage) products, can be crucial in your situation.