I have a client that averages roughly $5500 per mo, but his banks are clean with no negatives and relatively healthy ending balances. No existing loans. Over the last 6 months: High month deposit = $9k; Low month =$5k+. A quick glance shows average ending balances of around $7k. Owner's FICO <600. Cresthill/Mantis is my go-to lender for a deal like this, but they said that the revs were too low. He's looking for around $10 - 20k if possible, but will consider smaller amount. Any takers?