[davismwfl]

If your credit is decent you can get a traditional mortgage. It takes a little extra effort but you can still do it. You'll have to provide tax returns and usually around 4 months of bank statements plus a P&L for the business (if you are a corp) but that's about it. Plus of course your down payment proof.

If you have less than decent credit or have very unpredictable income it can be a little tougher, but there are secondary and private mortgage markets to help there and while more expensive they aren't horrible, but a little more buyer beware. I have used this market before for income properties and you will find that there are assholes that try to take advantage of you because they think you are desperate. Then there are those that are there to make a good return but are totally reasonable. If you have to go this route, find a mortgage broker that deals in this market, it isn't that hard and a reputable one will help keep you out of trouble.

EDIT: BTW -- debt to income ration is a little more important here depending on the type of debt.