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.
Frequently Asked Questions I’m a self-employed electrician or plumber in Phoenix — can I get a mortgage on my data center income? Yes. A bank
Frequently Asked Questions I’m a self-employed plumber working DFW data center projects — can I get a mortgage? Yes. A 1099 loan qualifies your gross
Frequently Asked Questions Does a DSCR loan really require no income verification? Yes — no personal income verification. No W-2, no tax returns, no pay
Frequently Asked Questions What is the main difference between a DSCR loan and a conventional investment property loan? A DSCR loan qualifies based on the
Frequently Asked Questions What documents do I need for a 1099 loan application? Primarily: 1099-NEC forms from the past 12 or 24 months from all
Frequently Asked Questions Which is better for a self-employed electrician — a 1099 loan or a bank statement loan? It depends on your income structure.
Frequently Asked Questions I just went self-employed as a tradesperson — when can I get a bank statement loan? Most bank statement loan programs require
Frequently Asked Questions Should I use my business or personal bank statements for a mortgage? It depends on how your income flows and what your
Frequently Asked Questions What credit score do I need for a bank statement loan in 2025? Most bank statement loan programs start at a minimum
Frequently Asked Questions What exactly is a bank statement loan? A bank statement loan is a Non-QM mortgage that verifies income using 12 or 24
