good afternoon elen......call first national bank of america in east lansing,michigan...ask for their residential lending dept..i believe they are licensed in fla....they will want tax retruns but with good credit they are very flexible with debt ratio and income.....most states have banned stated income deals....i have over twenty investors at my disposal, none of them do stated deals.could sure use one though...also, you can have a non-occupant co-borrower on not only an fha loan, but conventional too..best regards.....bob mcclure- success mortgage partners- plymouth, michigan....(p.s.- kyle's answer is a great one)

Web Reference: http://www.loaningMichigan.com

Why do you want/need a stated income loan?

May be a dumb question, but I have many people who come to me asking this, and with a little TLC and expert tax analysis I can make them a "full doc" client...