My life's not fair rant
I've been rejected a number of times over a number of things in my life. A string of "no's" when interviewing for jobs. A lot of "no, I do not want to interview that author" responses. But this week, I have been rejected more than anyone with an excellent credit score should have. Let me just do this public service announcement for anyone who falls under the technical definition of "self-employed" even if you are contractually working for a company with regular hours and pay. If you have not been self-employed for two years, you better be able to buy a house with cash because you will not be able to buy a house otherwise. The exception to that would be the ability to pay a rather large down payment - one larger than the typical payment these days. I'm telling you, banks will not look at your credit score, your bank balance, your debt to income ratio, your income, anything if you fall in the self-employed category and haven't held a ...