I currently have a range of loans including both low doc and documented loans. The difficulty is as suggested that the low docs require a statement of income that i cant justify on tax returns but have no difficulty with covering the repayments from tenants and in covering through my LOC in times when a tenant may not have been found. It is easy enough to say ” get a better broker” but in truth the broker has been very helpful and has tried many avenues. Naturally each are limited by those lenders that they deal with, but my loans span ING, Suncorp, CBA, and ANZ… so its not as if alternatives havent been looked at.