No case-study for this week. I closed a VA IRRRL and a standard 5% down purchase. Nothing a bank can't do. But here's a reminder of what I DO want you to send my way:
Recent self-employment, doesn’t fit agency requirements.
Low credit scores with compensating factors (big down payment, strong income)
High DTI scenarios (VA, non-QM, investor DSCR)
Investment property cash-out or HELOC over your LTV cap
DPA for buyers that exceed your internal income limits
Complex income (1099s, K-1s, multiple businesses)
If you've got one of these sitting in your pipeline, reply to this email or call me at 616.298.2743.
Talk next week,
Adrian