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YouTube – Straight Talk Lending – Daniel Dobbs

Only 1-year Tax Return Req.
for Self Employed Borrowers

10% Down
Loans up to $1.1 Million

680+ FICO scores
2-year S.E. “Business History” Req.

Great news for self-employed borrowers-
The 2021 tax return will be that’s needed. 

Do You Have Buyers who are
Self Employed / 1099 / or own their corporation?

 Then 2021 may have been a good year for them!!

 Why Pre-Approval Letters are Worthless!

 The (past) problem for self-employed borrowers..
they’ve had to “average” their income over 2
years to qualify for their future mortgage
(vs. just using the most recent return).

Using Loan Officers to Screen Buyers & Close Deals

Often, what happens is a borrower
has high start-up costs in one year
 (i.e. 2021)….
followed by hefty profit the next
(i.e. 2022) …
the losses in 2021 would offset much of the gains
for 2022…
therefore lowering their ability to qualify.

 No More!!!!!

Now: Only the net income from just the most recent
(2021) tax return can NOW be used solely to qualify for a mortgage.