Hi, wondered if anyone had any thoughts on our situation. It’s a bit of a confusing one.

- We are a British couple in the US
- We have just been accepted for Greencard. Don’t have the card yet. Apparently they are backlogged for a year plus which is crazy.
- We sold our place in the UK and now we are staying here longer, want to bring that money over ($100k+) to buy a place.
A few issues...
- Where we live is expensive and there’s no way we can afford here. We were thinking of buying somewhere small in a desirable area a couple of hours away and rent out on Airbnb whilst we stay and continue to rent our place in currently.
- We are both self employed and our Debt to Income is over 50% because we pay a good deal of rent and we submitted quite low net taxes because of expenses etc.

We have a good deal of money saved to buy, and have 750+ credit ratings each, but it seems like there’s no getting round this debt to income.

Wondered anyones thoughts on this. Are there other loans out there that don’t look at the debt to income? Does the money saved, credit score help as that much or do we just need to start submitting high net taxes next year and see if we can go back and do it then. Ideally we would buy before then. Not sure how much loan we’d need, depending on the property. Maybe between 150-250k.

i have a business and work from home most of the time. I dunno if it’s legit for my company to pay the rent on our property here to take that off the debt to income. Obv don’t wanna do anything which is iffy, not above board.

Any help would be amazing as our bank mortgage guy wasn’t very helpful.

Thanks