Loan scenario: OR, $384,000, 635, 70% LTV, Refinance, full, OO
Property type: SF
Loan purpose: Refinance
This is a cash out/debt consolidation refi. The borrower is self-employed, and showed almost no income for 2011 due to all of the deductions he took, even with adding depreciation back, although 2010 had much more income since he took much fewer deductions. However, he shows very good income on his YTD P&L for 2012. Is there anyone who would average his 2012 income together with his 2011 taxes, or average 2012 income with his 2010 and 2011 taxes? It goes without saying that I am only looking for a loan with conventional rates.
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