I would need to see a copy of the land contract, as well as your initial closing documents. This, taken in conjunction with 12 months of on-time payments from your buyer should let us strike that mortgage from your debt to income ratio.
I work for Wintrust Mortgage in Chicago, and as a Federal Lending institution, lend in all 50 states. Please feel free to contact me at email@example.com, or by giving me a call at 773-416-7107.
Please also have two years of tax returns, 30 days of pay stubs and two months of bank statements ready and available.
Senior Mortgage Consultant