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Self employed house mortgage loan options? W SsDI Co borrower

Okay, soooo. We have about 70k coming in any day lump sum, and then my work, but net on taxes is super low, I write off so much every year because I am self employed. I don't get a refund per se, since most of my work is service related. Husband gets 22k w ssdi, (refuses to go through the process w va for disability so ugh), and he is not taxed on ssdi.

Now, we are selling our house, and looking to buy another w a loan, but the lender is hating I am self employed.

I've been self employed for YEARS. And am rebuilding after that covi shutdown which heavily impacted my business so my income went down by about 35%. But, how do you qualify if they are sketchy bc of self employment?

It's kind of feeling like discrimination, I make okay money, it's inching back up, in a year or two, should be back to the 130k mark, hopefully will also go higher, but bc I'm self employed and write off expenses it's like SE, is a dirty word for loans?

Why? Ove worked for myself for 17 years. We own our cars, no heavy debt, owe 131k on current house.

submitted by /u/snowdrop43
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source https://www.reddit.com/r/RealEstate/comments/1bb43st/self_employed_house_mortgage_loan_options_w_ssdi/
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