;) Hi Janet, Are you a hard money lender or a traditional lender?

The good news is you don't need a specialty loan for a house hack, just a traditional primary home loan.

I've also used traditional loans through regional banks and a few SBA loans. 

So, winters are the traditional slow times for sales & rentals.

Yes, 401(k) plans, IRAs, SEP-IRAs and all other kinds of retirement plans are still the backbone of your wealth accumulation, especially if they are self-directed.

We aren't the traditional flippers who run in, throw up a lick of paint, hide the disastrous side of things and essentially trick people into buying a lemon.

Unlike banks, which offer limited loan options, brokers have access to a wide network of lenders, including niche and non-traditional financing sources.Here’s what they do:Assess your financial situation to determine your borrowing power.Compare multiple loan products to find the most favorable terms.Negotiate rates and terms with lenders on your behalf.Guide you through the application process, ensuring you meet all requirements.Example: Suppose you have a lower credit score or unconventional income sources.

Our issue is income on papers too low to qualify for the an FHA or traditional loan.

@Charles Kao I believe he means attorney & Title Services that are familiar with non traditional or creative Transfers or Sales of property that don't include Banks.

If you are open to non-traditional methods of financing, you could use a debt service loan to bypass that requirement.