Are there any lenders on here that specialize in non-conforming/unconventional loans? I have been through several different lenders - couple of traditional lenders, my banks including their high net worth guys, etc., and have not qualified.
I have been self-employed since 2017 (single member LLC, S-corp). The Fannie Mae/Freddie Mac rule changes for self employed earlier this year really put handcuffs on my ability to get a mortgage. Lenders are telling me either to pay cash now and refi later, or wait until I file 2020 taxes. I don't want to pay cash as it will take most of my liquidity to do that, and the house I am in just sold and I've got a couple months to get out. I really don't want to rent, so I need to look at unconventional loans if possible. Anyone here specialize in these?
I have been self-employed since 2017 (single member LLC, S-corp). The Fannie Mae/Freddie Mac rule changes for self employed earlier this year really put handcuffs on my ability to get a mortgage. Lenders are telling me either to pay cash now and refi later, or wait until I file 2020 taxes. I don't want to pay cash as it will take most of my liquidity to do that, and the house I am in just sold and I've got a couple months to get out. I really don't want to rent, so I need to look at unconventional loans if possible. Anyone here specialize in these?