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I've generally found them fairly good about this. Most lenders know that people don't want to pay their tax bill until they have to. Usually signed returns will cover it, if not a letter from the accountant confirming the returns will help.

Most lo doc lenders want to see you've been in business for at least 2 years, you don't need to give them tax returns. If you're worried about your next tax return being lower than the previous year, it's not a problem at this point. Lenders will allow you to use the 2013 tax return until at...

90% lo doc with 1 year trading history, I think your chances of getting something are slim. It may be possible to get a full doc loan though. There's a couple of lenders that only require one full tax return. get started on your tax first thing tomorrow!