Respectfully, I am not sure what AC was even trying to say and some of what I can make of it is entirely misguided. I am known in this community to not sugar coat (and sometimes get into some debate) and this is because I do not believe anyone who is considering investing their time, money and efforts should be fluffed with a bunch of how pretty everything in real estate should be.
Your profile looks great and of course you are about to get bombarded with answes throughout the week. This is what it comes down to = AGI (Adjusted Gross Income). This is the final number on the 1st page of your tax returns. After all the write offs and company and personal expenses, what is the final adjusted gross income? Then the next question is this, "Have you been self-emplyed for the last 2 years? If not, then you may encounter some problems or maybe not, depending on what the Automated Underwriting System states.
Broker or Lender, it does not matter....Hmm well actually it does now.. Brokers are not as accessible to money as they once were. A direct lender has much more leniency than brokers do "IN THIS MARKET". The time where brokers could shop for better rates and terms are over. They can't compete with a lender. I am sure I will get some remarks about this but the truth is, THEY CAN'T. People who say brokers are better just feel more comfortable with the idea, doesn't mean that it's true. However, when I say "lender", I do not mean Wells Fargo, B of A, Chase, I mean the correspondent lenders. They offer more opportunity than brokers or the big banks and are much faster in approving the loan and provide much better service.
I can go on with several necessary questions and comments but the truth is that you need to decide what lender you want to deal with and have him look over your situation. Reading through 20 remarks to this post will lead you to the very thing I am recommending here, the inevitable = Speaking to a Loan Officer and having them analyze your AGI/ Tax Returns. Any other answer is fluff and wasting time.
I would be honored to go over your personal scenario with you and provide you with my analysis, if you'd like.
Good luck and Happy New Year!