Always be looking... the definition of "luck" is when opportunity and preparation cross paths.

Most lenders, although not all, intend to resell your loan after they close on it, which means it needs to meet strict criterias that are pretty standard across most of them.Now, your options could be to:* Go to a non-conventional lender, but be prepared to deal with much higher rates and closing costs.* Explore the commercial properties route - where they look more at your downpayment + ability of the property to service the debt, rather than your W2.* Do the house under your wife's name (if she still has a W2)The first 2 options will either mean high rates or high amount of funds down.

He didn’t try to sell me anything and all he asks is that you come prepared with questions.Hope this helps someone else getting started.

Preparing to sell, selling, searching for a property and closing will take time and because the timeline is unknown the debt will remain unpaid.

However, I recommend finding an accountant who specializes in real estate taxation to prepare your taxes.

You need to be prepared to verify lot lines and involve an attorney before it goes too far.

Reach out to a local attorney and ask them about setting up a joint venture agreement for you. 

Hi All,I’m currently in the process of purchasing my first investment property and was curious how you organized your finances to prepare:1) do you have a separate bank account for your investment properties?

EtcYou may want to speak with a professional before venturing off in qualified opportunity zones.

Doesn’t seem like you are prepared for that in the current situation.