No. of Recommendations: 1
Hi rad,

I am seriously ticked that I started the conversation with "my financial situation is complicated" and credit scores were the first things checked. Live and learn - next time, credit scores can be the last thing checked.

Well, don't be ticked about that (of all things to be ticked about.) all mortgage credit inquiries incurred in a rolling 45-day period are treated for scoring purposes as a single inquiry, so its not like you have anything to be concerned about in regards to any borderline qualifying issues.

There are portfolio programs available (unique niche products... not surprising for many brokers and virtually all retail reps to be unaware of them) that will give you qualifying credit for income calculated as a percentage of your assets *without* requiring asset depletion. This sounds like what you are going to be best served by. You can specifically ask around for that, or if you want me to help you just ping me on that.

Dave Donhoff
Leverage Planner
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