Frequently Asked Questions

I’m a self-employed electrician in Pennsylvania’s Lehigh Valley — 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. Lehigh Valley data center trades workers with 2+ years of self-employment regularly qualify through Non-QM programs.

Why is Pennsylvania’s Lehigh Valley becoming a data center market, and what does it mean for my income?

The Lehigh Valley benefits from proximity to New York City and Northern New Jersey’s dense data center ecosystem, lower land costs than New Jersey, and the industrial power infrastructure from its manufacturing history. Microsoft and major co-location providers have established significant facilities in the region — providing growing, sustained 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