First loan - LLC obstacle

[Lee Jedlicka]

Hello, amazing community,

I am about to purchase my first duplex in Florida and having a hard time obtaining a loan because of my LLC not being active for over 2 years.

I have been working as W-2 for 8 years. Become self-employed in 2018, started my LLC in 2019. I am unable to get a conventional or FHA loan simply because of the fact that my LLC has been established only 9 months ago.

I have excellent credit, no debt, great income, able to put around $100,000 downpayment and still so far it seems like the only option is hard money or seller financing.

Anyone experienced in this area, willing to advise?

Thank you