Stu,

Does that mean that if all our income were derived from rental income, capital gains (accessed via LOC), and/or stock market investments – we would only be able to obtain finance via lo-doc loans? Thus, also requiring at least two past tax returns?

Is there a way to set ourselves up in a way that all our income would be classed as suitable for conventional financing? E.G is it possible to set up your own company to earn all the income (via streams mentioned above), and then employ yourself so you technically are employed with a salary for "loan serviceablity"?

Your expertise is greatly appreciated.

Vinny