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.
Quick Answer: Bank statement loan underwriters total your deposits over 12-24 months, subtract an expense factor (typically 10%-50% depending on your business type and documentation),
To maximize qualifying income from bank statements before applying for a mortgage: choose the optimal statement period (12 vs 24 months), use the account type
The Borrower: Simone W., luxury residential agent in Atlanta’s Buckhead and Sandy Springs markets. 13-year career. Licensed through a boutique luxury brokerage. Annual commission income:
The Borrower: Marcus T., owner of a residential and light commercial general contracting company in the DFW metroplex. In business 11 years. Annual gross revenue:
The Borrower: Carlos M., owner of a 3-location restaurant group in Miami-Dade County. Cuban fusion concept with two locations in Doral and one in Westchester.
The Borrower: James R., senior petroleum reservoir engineer, independent consultant since 2017. Four energy company clients. 2024 annual 1099-NEC income: $580,000. 2024 annual business deposits:
You spent 11 years in training. You completed a fellowship. You built a practice that bills $1,200,000 a year. And a bank told you that
Both programs skip your tax returns. Both qualify on real economic activity rather than IRS documentation. The difference is what economic activity they measure. Bank
About the figures on this pageAny credit score, loan-to-value, reserve, loan-amount or down-payment figure shown here describes general program guidelines, not terms offered to you.
You have been admitted to bar associations in three states. You’ve argued cases that changed outcomes for real people. You bill $450/hour and you’re fully