Bad or low credit scores, lack of income, massive debt, tax liens, the list goes on and on  ... and working with an inexperienced lender. 

 Low income, bad credit.

poor credit or no credit history, inconsistent work history, too much debt, etc. etc. etc.

Corey Christiansen Being able to make the monthly payment.

Corey Christiansen - habits! Financial Habits I mean...

Yep, not enough income and bad credit...as Fred Griffin said!

Low credit score, insufficient income, poor work history, lots of debt...

Credit

income

debts

finding a good LO

Ask your lender

Corey,

The best answers would come from a lender.  A

I am very very late to this post and all seems to have been solved/answered here :-) Happy Days!

As an agent, don't have those issues, my lender does.

It appears that the "Self-Employed" borrower is faced with many more obstacles than a W-2 applicant. The self employed usually takes much deductions in order to lower his tax burden. In doing so,lenders will look at the Adjusted Gross Income (AGI) on line 37 and "ADD Back" depreciation as well as some payments. The sad part is that many Loan Officers as well as operations people make many miss-calculations that hurt the self-employed borrower. Some cannot analyze  the complex returns of the self-employed.  I recently had to explain the tax returns to my underwriter who was in the process on declining a $1.4 million deal. In fact the Debt Ratios were 40% and the underwriter was at 67%. Then we have the normal credit,icome,FICO etc.

Income and expenses.  Past debts.

high debt ratio

Kathleen Daniels nailed this one!

Credit score, income, debt level.

Ask Jason E. Gordon 

Having bad credit or no credit or not making enough money or having too much debt or no work history or no job. There are lots of difficulties.

Credit score and income!

Job issues, bank regs, underwritters from hell.

Loan math is standard math. People have different scenarios that must be bounced off that math thus called qualification. Seek Loan officer input

I don't have to qualify for a loan however my clients are always advised to ask questions so that they can be well informed through the process.

Credit and having enough money.

I suggest you discuss this with a loan officer.

Having enough net income and cash.

The reality you have to pay for the things you want.

If we could just get around that.

That means history of reliable income and restrained debt.

Divorce, career change, litigation are all major difficulties.

There is a lot of paper work and documentation to locate and get to the lender.

Overuse of credit, insufficient income, late payments...

this is a great question to ask a lender.....

Credit, income, debt

Credit Score!