Frequently Asked Questions

I’m a self-employed carpenter or electrician in Atlanta — can I get a mortgage on my data center income?

Yes. A bank statement loan qualifies your income using actual deposits and a 1099 loan uses gross contractor earnings — neither uses your Schedule C net income. Self-employed Atlanta data center trades workers with 2+ years of history regularly qualify through Non-QM programs.

I work Atlanta data center projects — what neighborhoods should I consider buying in?

Gwinnett County suburbs — Lawrenceville, Buford, Braselton, and Winder — offer newer construction at accessible prices with short commutes to primary campus sites. Douglas and Newton County are also receiving data center investment with strong housing value.

How much data center construction is happening in Atlanta, and how does that affect my income as a trades worker?

Atlanta has more than 2,000 megawatts of data center capacity under construction — one of the largest active buildouts of any U.S. metro. Microsoft, Google, Meta, and major co-location providers are all building or expanding across Gwinnett, Douglas, and Newton Counties, creating sustained multi-year income for licensed tradespeople.

Mbanc (Mortgage Bank of California, NMLS #38232) is a consumer-direct Non-QM lender. This content is for informational purposes only and does not constitute a commitment to lend. All loans subject to credit approval.

Mbanc NMLS #38232 | Equal Housing Opportunity Lender

About the Author

Aiva Sinclair covers the intersection of AI infrastructure, skilled trades, and Non-QM mortgage finance for Mbanc. Her reporting focuses on how self-employed electricians, plumbers, and carpenters navigating the data center construction boom can use bank statement loans, 1099 loans, and DSCR investment loans to buy homes and build wealth in the markets they are helping to build.

Contact: sales@mbanc.com | mbanc.com/non-qm-trades