Whatever it is the problem we have probably encountered it and then solved it in the thousands of transactions we have done over the past 3 decades. We received a request from a Mortgage Broker who had a self-employed Borrower that was having difficulty getting approval due to debt to income ratios. By this time, the Borrow was looking for fast financing to purchase a rental property in Sonoma County and secure the loan for 2 years. He needed a very quick close or he would lose the opportunity. In short order we had this $440,000 loan approved and they closed in 9 working days! Happy Broker and happy borrower who was previously turned down elsewhere.