Who can get me a refinance loan? great credit, not underwater?

Self employed borrowers will almost always run into these types of problems when it comes to showing income. Of course you have expenses and you have a right to write them BUT unfortunately you cant have it both ways writing off o pay lower taxes but want your income tier to stay the same for qualification purposes its either one or the other. Now the rental property is another whammy in your case being your income has to suffice for all property in question. Yes, the rental income ispositivee but we as lenders only use 75% leaving 25% for a cushion" for non occupancy, maintenance e.t.c. Basically there is NO way around it the numbers determine your debt to income and your true income is whats left after deductions and or losses.. onwards and upwards. good luck!

Banks are under regulations to re-finance you if you qualify.

You are not likely to find anything different out there, and you may even hit some scams.

You might have to wait until you do your tax returns in April to show income.

Know that interest rates will stay low for a couple of more years.

No one can help you because you don't even understand your income.

Your income is the amount that you earn AFTER all business deductions are made. The business "income" may be $80K but the business profit is what matters.