Many of our clients over the years have been self employed, and it can be a challenge when it comes time for financing.  The paperwork needed and the time delay has added a lot of stress to the escrow process, and many deals have gone down to the last second, and that's not the way to enjoy buying real estate at the Lake of the Ozarks.  The most frustrating part is that it is no fault of the agent, the seller, even the local loan officer, but rather an unnamed underwriter somewhere in the U.S. that can care less what your deadlines or closing dates are.