Lenders require tax returns showing taxable income to be able to approve a loan. Lawful money effectively shows income as ZERO and therefore can increase the difficulty of obtaining a loan. On the other hand, there are some lenders who will work NOT from tax returns but based on bank statements showing how much is deposited per month. Based on this information, a loan can be procured by certain lenders.
Please be aware that we cannot recommend which lender is right for a given situation - it is best to refer to a loan officer or bank representative for further assistance.