Can you get ANY type of loan without 2 years of W-2's?

I have been a stay at home mom for the past 14 years. (Before I had kids, I was a professional chemist for over 16 years.) I just went back to work full time as a chemist at the end of August (2018). I need to get a loan for ~$50,000 to pay off some debt and do a few home improvements. Is there any way that I can get some type of loan based on my paystubs alone without having 2 years worth of W-2's? Since I haven't been working, I obviously do not have any W-2's. My husband can be a co-applicant but his income ($30,000) alone is not sufficient to qualify for a loan. My salary ($52,000) needs to be included as household income in order for us to qualify for anything. So far, every bank / online lending company that I've contacted refuses to consider my salary as a part of our household income since I have not been working for the past 2 years leaving only my husband's $30,000 as our household number. This is way too low to qualify for anything. Please help! by lrm808 from , California. Nov 16th 2018 Reply