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Trying to acquire a loan as a bartender!

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Hello!

My name is Giovanni DiBlasio, I am an aspiring real estate investor out of Central, NJ. I am looking to get started by house hacking in the form of a duplex. I have done my due diligence, and I am sure I can make it work with a duplex in my area. There are no shortages of duplexes around here, either! My only issue is that I am a bartender and we do not claim our tips. This results in my tax return showing less than $20,000 of income for the year. I make more than enough money to cover my mortgage note if needed, and I have enough to put down a 3.5% down payment. My only issue is that I can not qualify with my amount of income. I am already on the job hunt for something that will qualify, but figured I would take to the BP community to see if anyone has any ideas! Thanks in advance!

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