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Expert non-QM mortgage insights for self-employed borrowers, real estate investors, and high-net-worth buyers. Market updates, borrower guides, and strategies from America’s #1 consumer-direct non-QM lender.
Many borrowers have hybrid income: a part-time W-2 position plus consulting or contractor work. A full-time employer plus side consulting income. A corporate role transitioning
Commission-based sales professionals occupy a unique income documentation position. Their earnings are entirely performance-based, documented on 1099-NEC forms from the companies they represent, and subject
Healthcare contractors are the 1099 loan program’s single most financially impactful use case. The income is high. The deductions are legitimate and substantial. The gap
Real estate agents are among the most logically-positioned borrowers for the 1099 loan program. Their entire income arrives as documented 1099-NEC commission payments from their
The technology contractor’s mortgage problem is almost universal. Enterprise IT architects, data engineers, DevSecOps specialists, and ML researchers who left W-2 employment to consult independently
The gig economy has created tens of millions of independent workers — Uber drivers, DoorDash couriers, Amazon Flex delivery drivers, Instacart shoppers, TaskRabbit providers —
Both programs skip tax returns. Both serve self-employed borrowers. The question is which produces more qualifying income for your specific income documentation. Head-to-Head: Same Income,
Both 12-month and 24-month qualifying periods are available. The decision determines your qualifying income — and can mean hundreds of thousands of dollars in qualifying