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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.
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
Credit Score 640 minimum. 660 for 85% LTV (15% down). 720+ for best pricing. The single most important number to confirm before identifying a target
Your clients already reported what they paid you to the IRS. Every 1099-NEC filed by every company that hired you this year is sitting in
If a DSCR investor could design a state from scratch, they might produce Tennessee. No state income tax. Sub-1.0% effective property tax rates in the