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*insert usual TF counsel about telling fibs on Lo Doc applications including counting actual or potential gains as income* If you have been servicing you loans from debt rather than income or your financials then and now aren't likely to show serviceability, you may be in strife. Did you...

higgins, Depending on the lender and other bits and pieces, if you apply for hardship you will need to open your books. Will they be broadly consistent with what you declared on your Lo Doc declarations?