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They will look at your actual filings to see if you turned a profit- at least enough to pay for the loan and your liabilities, especially your last filing.
In this case, assuming your tax returns show a profit, think of doing a 'free' loan- one where the lenders will pay all the closing costs. Rate will be higher but you won't lose equity to fees when it comes to payoff.
rjp
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In the movies only bad guys sleep in king size beds.
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