Video Transcript:
Most lenders need to see your money arrive in a perfectly straight line. But your income is often lumpy, arriving in big, uneven waves. Their old rules fail. Lenders see risk where there is just a normal business cycle. I, David Ghazaryan, build the financial story that shows them the predictable pattern inside. Here is the key calculation difference. FHA loans can use your most recent year's growth. Conventional loans average two years, hurting your borrowing power. (Data may vary over time) Your tax returns only show the past. A current Profit and Loss statement proves today's success. This single document shows where your business is heading. Your statements must be perfectly clean. Large, random deposits create big red flags for underwriters. Every single dollar must have a clear, explainable business source. This structure applies across many fields. To see how these rules affect you, read my full article. Find my social platforms in the description below.
