Finally, a Mortgage That Gets Self-Employment
No tax returns? No problem. We qualify you on your actual income, not what the IRS sees. Bank statements, P&L, 1099s, rental income, and more.
Self-employed lending specialists | Loans to $3M+ | Close in 21-30 days
Sound Familiar?
"My tax returns don't show my real income"
You legally minimize your taxes like any smart business owner. Traditional lenders don't understand that your write-offs aren't losses.
"My bank said no"
Traditional lenders want 2 years of W-2s and tax returns. You don't have those. Your income is real, just documented differently.
"Too much paperwork, not enough time"
You're running a business, not an accounting firm. You need a lender who can work with what you have.
We Qualify You Differently
Bank Statements
Your actual deposits over 12-24 months
P&L Statements
CPA-prepared profit & loss
1099 Forms
Your contractor income docs
Rental Income (DSCR)
Recognized rental income reviewed
Find Your Perfect Non-QM Loan
Compare products and find the perfect fit for your needs
Compare at a Glance
| Product | Income Docs | Credit | Down | Best For |
|---|---|---|---|---|
Bank Statement | 12-24mo deposits | Varies | Varies | Self-employed |
P&L Statement | CPA P&L | Varies | Varies | Est. business |
1099 Only | 1-2yr 1099s | Varies | Varies | Contractors |
DSCR | Rental income (varies) | Varies | Varies | Investors |
Asset Depletion | Assets | Varies | Varies | High NW |
No Income | None | Varies | Varies | Fast/private |
ITIN | Varies | Varies | Varies | No SSN |
Bank Statement
- Income Docs
- 12-24mo deposits
- Credit
- Varies
- Down
- Varies
- Best For
- Self-employed
P&L Statement
- Income Docs
- CPA P&L
- Credit
- Varies
- Down
- Varies
- Best For
- Est. business
1099 Only
- Income Docs
- 1-2yr 1099s
- Credit
- Varies
- Down
- Varies
- Best For
- Contractors
DSCR
- Income Docs
- Rental income (varies)
- Credit
- Varies
- Down
- Varies
- Best For
- Investors
Asset Depletion
- Income Docs
- Assets
- Credit
- Varies
- Down
- Varies
- Best For
- High NW
No Income
- Income Docs
- None
- Credit
- Varies
- Down
- Varies
- Best For
- Fast/private
ITIN
- Income Docs
- Varies
- Credit
- Varies
- Down
- Varies
- Best For
- No SSN
Frequently Asked Questions
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