Since the mortgage crash, federal laws require that all mortgage lenders making primary home loan verify the borrower ability to make the payments. If you do not have any w2, 1099 or bank statement deposits, then there is no way for the lender to meet the minimum federal requirements for you to purchase a primary home. If you own a home already there are many options for borrowers looking to purchase an investment. Our investor cash flow program allows investors to purchase a home using comparable rentals for income. As long as the comparable rents cover the new projected mortgage payments, we have lenders that will fund your loan. But for our investor cash flow program, you must own a home already.