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Originally Posted by xlogger
Ok, i make 10k+ a month now.
I've been in adult for like 1+ year so i have no tax returns. My taxes are all FUCKED up anyways.
I have $ in the bank for down payment but i usually keep the $ in epass/paypal. (i know, i know its stupid!)
I know i would get the load without a problem if i showed them how much i make. Since i use epass/paypal i dont have checks. So im asking how can i show them what i make.
ps: my credit is excellent btw, 730.
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I feel your pain... I have had to purchase two vehiles in a similar situation.
First off, NO ONE pays for a car 1/2 down. So that is good. Second, more people come in with credit scores under 700 than over, that is also in your favor. Most likely they will be able to get by with just bank statements (the standard for the self employed since taxes for most SE'ed are usually showing a lot less than they make or more (gross, not net profits))...
So print out your last 3 months of bank statements (including Epassporte)... Blackout the porn names like Triplexcash incase your loan officer isn't liberal minded. Also bring a water bill/electric bill/gas bill to show you live where you say you live. Have all of this shit in a manila folder and ready to produce to them.