Yes, quit-claim the property to your wife. Conventional allow your credit not to be pulled as well. Loan goes in her name, and you can still go back on title at the closing of said loan. Owner occupied vs non owner will determine the LTV Loan to value.
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Originally Posted by Kolyan2k
Anyone know if this can be done today? I own a few small properties outright and would like to get HELOC for emergencies but I can't show my income. Basically my wife has some income on w2s but all properties are under my name only. Would anything work here?
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