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URL:  http://boards.fool.com/im-self-employed-and-ive-had-no-issues-30536026.aspx

Subject:  Re: Debt-to-income ratio if self-employed Date:  2/11/2013  10:40 AM
Author:  Gingko100 Number:  124727 of 127262

I'm self-employed and I've had no issues refinancing. they looks at income from last two years of tax returns, so if you are a sole proprietor, yes your schedule C.
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