So I had a interesting scenario happen to one of my clients today - TopicsExpress

So I had a interesting scenario happen to one of my clients today that put us in a mad scramble because the 17 day contingency is up on Friday......... I had a w-2 borrower today who has 2106 expenses, Schedule C losses, & has some negative cash flow on his Schedule E (rental property losses) & he didnt qualify due to his DTI back end ratio being too high....... So how did we get around it? FYI - the borrower had a short sale 5 years ago & a Chapter 7 BK discharged in Nov. 2011. Any suggestions on how to qualify this borrower & what we are doing? He makes approx. $20k/month with overtime. The underwriter allowed for approx. $11k/month. His back end DTI with some schedule c losses, 2106 expenses, & negative cash flow on his rental property was 60%+. Any suggestions on what We are doing to qualify this guy? Julie Perry do NOT say a word! :)

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