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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.
California has the country’s most severe conventional mortgage qualification problem for self-employed borrowers â and it creates this problem at the worst possible time, in
A bank statement loan application requires: 12â24 months of personal or business bank statements, 2 months of all personal accounts (for asset verification), government-issued ID,
A CPA expense ratio letter for a bank statement loan is a signed document from a CPA, enrolled agent, or qualifying tax preparer that certifies
The Borrower: David C., owner of a boutique production company in Silver Lake, Los Angeles. Produces commercial content for advertising agencies, branded content for Fortune
You’ve produced three seasons of television. Your loan-out corporation has received $2,400,000 in project fees over the past two years. Your entertainment attorney has an
You invoice at $250/hour. Your clients pay within 30 days. You have consistent deposits. You have receipts for everything. Your CPA is thorough. And somehow,
Your restaurant does $180,000 a month. You have a 78% cost structure â food, labor, rent, equipment. Your accountant does their job precisely. And the
You build things. Real things. Your work is on permit records, lien waivers, and site photos. Your company grosses $1,800,000 a year. And a bank