But, folks are not staying with the same job or employer as long now, so the thing to look at is overall job history, how long they have held jobs, and what proof of current income they can provide.

My goal is to have 20 doors via the BRRRR method.Bought my first property in cash, split it in two, rehabbed it and are about to start renting it, have been approaching local banks searching for a refinance mortgage but without any luck since I don't have a W2 or the revenue history (2 years) that the common bank is looking for before lending the money for the mortgage.Can anyone recommend a credit union or bank that can provide an asset-backed mortgage for the property without looking at the personal finance?

We followed the law and documented everything, so we won the suit. 

The main problem for the bank is that my base income is low-ish (I'm in a salary+commission job) and I dont have 2 yrs of history in this job for them to go on. 

I also do annual inspections and document the units condition and take pictures as needed. 

Meaning you need to understand the title, liens and history of the property as well as understanding the exact physical condition.

What better way to tell about future $$$ numbers than current $$$ numbers, and the history of those same $$$ numbers? 

They agreeing to findings.2. complete repairs found by inspection and deduct from deposit3. clean carpet if they don't provide a receipt from a local, professional cleaner which is the condition they received it in. deduct from deposit if they didn't.4. if a pet was allowed, they must turn in a receipt showing it was treated for fleas. if If they dont it comes out of the deposit. if any damage from pet they're given an estimate of repair and sign an agreement that they will pay any excess not covered by deposit.5. touch up painting as needed, filters changed, fire alarm batteries updated.6. get keys from tenant and change locks. old locks go into inventory to be used in other properties.7. return their deposit with a letter documenting what expenses were paid out of it and a notice that they are welcome to return if they were a good tenant. they can use the statement for their future landlord as well. if they were not a good tenant, they go on a do not rent list for future reference with a copy of mive.iut inspection signed by them indicating damages and/or non-compliance behavior.

Or can the proof of funds document be more informal.

Income will be documented from tax returns but won't play a big part in the value assuming they are all 1-4 unit properties.