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How Miami’s Self-Employed Buyers Get Mortgages Without Tax Returns

The charter captain docks at Haulover with a full booking calendar and a healthy business account. The Wynwood creative director bills six figures across a dozen brand clients. The Little Havana restaurant owner has run the same corner spot for eleven years and never missed a rent payment in her life. All three walked into a bank this year to ask about a mortgage. All three were told no.

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