I'm saving up for a home, and I'm wondering if ANY banks would give me a loan? One of my first goals when starting IM was to buy a home with cash, but I've since changed my mind. I want to stay liquid and have a ton of cash on reserve. I'm cash rich and credit poor. I'm taking the next 3 months to pay off my student loan, and then I'm going to try to get a crib. Share your experience with buying a home as a self-employed person. The classic caveat of not depending on a forum for financial advice is already understood, just opening up a dialogue.