Owner Occupied Rental Lender

[Alison Horton]

I finally finished the renovations on my gorgeous house (that's what everyone else says anyway) and I'm renting out the 1 bedroom apt below and just started renting out rooms in the main house where I live. This is in downtown Berkeley where there's practically never an empty rental. The problem is that I don't have a year's seasoning on all the rents, only the 1 bedroom portion. Anyone know where I could find a loan on this for 5%? I have great credit (717 last I checked) but no income. I'm less than 50% LTV.

What search terms should I use to find this type of lender since it's not y our typical NINA?

Thanks

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