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income on a tax return is an issue for most lenders and again thatamp;#39;s what makes brass financial unique we have no dock lending now no dock lending was available in the early 2000s most mortgage companies and banks offered no dock loans and a lot of people say that thatamp;#39;s partially what happened why the mortgage industry had a meltdown you know mm really it started in 2005 but most people noticed it in 2008 the no dock loans that we do today are for real estate investors so most of our loans we structure them as a business loan so they closed in an LLC name itamp;#39;s you know with the understanding that the personamp;#39;s you know a savvy real estate investor they know what theyamp;#39;re doing with our money theyamp;#39;re going to be able to leverage theirs and make more money our no-doc loans arenamp;#39;t for someone buying a primary home you know for a primary home they still need to qualify based on their income and credit and thatamp;#39;s all par