We are a Direct Lender with a Hard Money or Private Lending Division. But before you venture down that road, are you absolutely sure you don't qualify? You would be amazed who can qualify for a FHA loan today. FHA will allows income from several sources and is way more liberal that any conventional program. You can use alimony as long as you have a court order or judgment and documentation that you actually receive it. That goes for child support too, in order to calculated it needs to continue for a minimum of 5 years. And finally, pension income is the least of your worries. We can gross up to 125% of actual. If you can't show all your cards and make a winning hand, then of course as a last result I can offer you Private Money Financing.