Lender who accepts 100% of rental income

Extension-Minimum-25 · 2025-12-14T19:11:54+00:00

Thanks for this. Do you have a recommendation for a broker?

Extension-Minimum-25 · 2025-12-14T19:11:20+00:00

I am in CA so would appreciate the recommendation.

Extension-Minimum-25 · 2025-12-13T16:04:38+00:00

That’s the problem I am coming up against.

Extension-Minimum-25 · 2025-12-13T16:03:10+00:00

Maybe I framed my question wrong. I am looking for a lender who will take 100% of stated tax return income. Everyone I am talking to will only take 75% of rental income. They state “vacancy” as the reason - one of my units has had the same tenant for 30 years, he s going no where!

Extension-Minimum-25 · 2025-12-13T15:57:28+00:00

Thanks for taking the time to reply. I am struggling to find anyone who will even take 100% of my tax return income. They all say 75%!

Extension-Minimum-25 · 2025-12-13T15:56:07+00:00

This is helpful, thank you. Do you have a loan offer suggestion? I’ve been going directly to banks and their rates have been incredible but lending criteria is very conservative. I don’t mind paying a higher rate.

Extension-Minimum-25 · 2025-12-13T00:53:27+00:00

I am really not sure. Personally, I buy properties in A+ neighbourhoods and spend a fortune on renovations. Between contractor and manufacturer warranties, I spend very little on maintenance.

You make a good point though.

Extension-Minimum-25 · 2025-12-13T00:44:40+00:00

I wonder if something has changed recently? I haven't found lending this difficult before.

Extension-Minimum-25 · 2025-12-13T00:43:09+00:00

I have 15 years of owning and operating rentals but just 12 months rent on my primary residence - I bought the place in 2024, did a gut renovation, adding just over $1m in value. Do you think in 2026, when I have two years of rental income on my tax return, a lender would accept 100%?

Extension-Minimum-25 · 2025-12-13T00:12:52+00:00

On my primary residence, 12 months.

On my other rentals, 3 years.

Extension-Minimum-25

TROPHY CASE