Self-Employed Owner-Occupant 2-4 Unit Loans

[Brandt Tingen]

Hi All,

FHA loans are great for owner-occupants with a W2 job, but can be prohibitively restrictive for those who are self-employed or run small businesses. Have a borrower with excellent credit, cash reserves, track record, but low stated tax income, who is having a tough time finding a product for an owner occupied 2-4 unit that requires less than 25% down. Any suggestions?

Thanks