Frequently Asked Questions

I’m a self-employed carpenter or electrician in Denver working data center projects — can I get a mortgage?

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. Denver data center trades workers with 2+ years of self-employment regularly qualify through Non-QM programs.

I work Denver data center projects — what neighborhoods are best for me to buy in?

Aurora is closest to the primary data center campuses. Centennial, Parker, and Castle Rock offer strong schools and newer construction at accessible prices. Commerce City and Brighton offer lower price points with reasonable commutes.

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