Best Banks For Working With RE investors W/out W2

[Justin R.]

About to start the dreaded process of working with a bank for a conforming loan. What banks have you worked with that offer conforming/jumbo loans (California) that understand RE investors income? I deal mostly with small regional banks and credit unions for my real estate business, but I definitely want to get tied up in a 30 year fixed conventional loan on my primary property.

I paid cash for the house and only have about 60 days to close on the loan, in order to take advantage of the primary home interest deduction. Even when I had a W2 job it was tough getting loans because underwriters took so long attempting to seperate out "one time expenses" vs ongoing expenses on my schedule E's. Without doing this I show a loss on paper year after year. 

Thanks in advance!!

[Craig Gerulski]

@Justin R.I had a great experience with @Grant Schroeder!  I was in a unique situation where all my income for my rentals was from Airbnb.  Many lenders had issues qualifying me for my refi.  Grant worked closely with the underwriter before submitting the application to figure out exactly what we could use and how to qualify me.  He is an investor as well so that helps him come up with creative options as he knows the game.  Highly recommend using Grant.