Mid fico 627, 2×30 Mortgage, No Prepay, 40K purchase price there about, 40K liquid assets, same line of work 12 years, no bank statements or DBA, you can call and get the listing for the business on information 1411, he has a certificate of occupancy in the business name and a building permit, and he is ASE Certified Mechanic, his business is automotive, he can provide 3 letters of reference as well.  The business is around 9 months old and doing well.  Besides the 2X30 his credit is perfect.  This could go OO.