Looking for a lender urgently that will only accept a VOR on 12 months rental history from a private individual as landlord on a 90% LTV, stated income. Borrower’s middle score is 584 with outstanding collections & judgements over 24 months old. Borrower also has three open trades since 1997 in good standing. Borrower is a selfemployed Nurse aid without a professional license to prove selfemployment for two years, however I have alternative documents such as reference letters and CPA letter to show selfemployment for two years.