tl;dr author recently changed from full time employment to being self-employed and wanted to refi an investment property. This isn't surprising. Two years of h

tl;dr author recently changed from full time employment to being self-employed and wanted to refi an investment property. This isn't surprising. Two years of history for self-employed is pretty standard (albeit arbitrary). Specifically for the US, investment mortgages are difficult to get them because Fannie Mae is reluctant to underwrite them. These combine to an unsurprising denial. One question not answered is if the author offered to secure the loan against other properties owned or if the author would have been willing.