I will usually ask them questions about the items on their report and make a decision depending on the level or responsibility they show.

A reputable lender we were referred to recommended we obtain a vacation home loan, as that allows our current income to be considered, which will be higher than our income once we move and lower our DTI.

And they make income from even that deferred tax that they wouldn't have otherwise deferred.To @Bill B.'

.✅ Verified Income Data – Checking actual bank deposits prevents relying on fake pay stubs.If you’re not getting any prequalification forms back, it might be time to simplify the process or use a better screening tool.

Please reach out directly if you have any questions.

Does anyone know of a money market mutual fund or a fixed income fund that could be used for this purpose within my Equity Trust IRA?

Hello, 
I am under contract on my first Duplex.  I used an FHA loan but I am concerned about accepting rental payments into my personal bank account.  Should I set up an LLC, open checking account in business, and us...

I do not have a business license and my rental income is considered passive.

Tenants, "go into Holiday-mode" and start spending disposable income (and racking up their credit cards) on Thanksgiving feasts & trips, Xmas presents & trips, and finally NYE plans.3) Income Tax Refund checks start being received towards the end of February and corresponding, the rental market starts picking up again as tenants payoff their “Holiday Hangovers".4) Spring Fever starts, sometime in April-May, causing both sales & rental markets to start picking up.

Qualification equals income = 3x rent, credit 650+, no housing court issues, no violent crimes.