It may also be part time W2 perhaps, or W2 income with out 2 years track/history, or is so volatile, based on 100% commission, or bonus, or other variable nature that the CU's credit policy has completely negated it.I doubt if your W2 income was full time salary for 2+ years with the same company that it would get negated, as an example.

@Randy Johnston-  We also are looking for a principal broker in Portland area with reasonable charges but education available, investor-friendly definitely a bonus.   

The tenant portion should be considered a bonus that you may have to work hard to get.

That's a great bonus too.Do you have REIA in your area?

You also would be willing to give him a bonus ($50.00?)

This was a great bonus but now I am trying to figure out the most productive use of this lot.  

The bonus to taking on that risk is you can then force appreciation by pulling the financing once the property is completed.

Show your good intention - give the agent a retainerPay for the Wanted adsBe generous - pay for lunch - gas - offer bonuses. 

I would like to offer the actual selling agent a $1000 selling bonus if sold in 30 days and closes to stimulant a fast sale.

The second thing I want to tell you is I'm going to give you a bonus, (he takes out his checkbook, and writes this check out) "and I don't want you to look at it until you sit down to car and drive away, deal?"