Are there any key insights on how full-time investors obtain mortgages in situations where most of their income is unrealized gains?
I know a lot of folks who have seen very high increases in stock portfolios in the AI boom. However, its mostly all unrealized gain. For those who are full-time and don't have W2, does this mean they can't obtain favorable mortgage rates compared to those with regular W2 incomes?
I realize that capital gains schedule D is often considered and that banks sometimes will take the avg of the last few years of dividends/capital gains, but what about those who don't sell and don't realize any gains? There has to be some option in cases where they have solid portfolio size?