Alternative Income Solutions

Banks Said No?
We Said Yes to 847 Borrowers Last Year.

Self-employed? 1099 income? We qualify you using bank statements, not tax returns. Get approved in as little as 10 days.

12-24

Months Bank Statements

•

580+

Minimum FICO

✓ Self-Employed Welcome ✓ 1099 Income Accepted ✓ Asset Depletion OK

See My Approval Calculator (213) 877-4088

Get Your Custom Approval Estimate

3 quick steps. Real solutions.

Loan Purpose

Property Value

Loan Amount Needed

★★★★★ Rated 4.8/5

NMLS #286633 | Broker License #01873353

Income Type

Employment Status

Years Self-Employed / In Business

Credit Score Range

First Name

Last Name

Phone

Property Zip Code

The Smart Money Move

Non-QM vs Traditional Mortgage:
The Self-Employed Advantage

See why business owners and 1099 contractors choose Non-QM over conventional financing

🏦

Traditional Mortgage

W-2 Required

✗ Tax returns required (2 years)
✗ Business deductions reduce income
✗ Strict DTI ratios (43% max)
✗ Must show steady employment
✗ Self-employed need extra docs
✗ 45-60 day approval process

Approval Rate for Self-Employed ~25%

Recommended

📊

Non-QM Loan

Bank Statements OK

✓ No tax returns needed
✓ Business deductions don't matter
✓ Flexible DTI up to 50%
✓ 12-24 months bank statements
✓ 1099 income accepted
✓ Close in 14-21 days

Approval Rate for Self-Employed ~70%

🎯

Your tax write-offs shouldn't disqualify you

Non-QM loans look at your actual cash flow, not your taxable income.

Check Your Qualification →

Interactive Tool

Income Qualification Calculator

See which program you qualify for

Monthly Income / Deposits (Average)$15,000

$5K$100K

Minimum Monthly Debt (credit cards, car pmnts, etc...)$0

$0$20K

Liquid Assets Available$500,000

$0$5M

Loan Amount Needed$600,000

$100K$3M

Interest Rate Estimate7.5%

6%12%

Best Program For You Bank Statements ✓ You Qualify!

Monthly Income $15,000

Current Monthly Debt $0

Est. Mortgage Payment $3,991

                            Total Debt-to-Income
                            26.6%
                        

Remaining Cash Flow +$11,009

Bank Statement Program: We use 12-24 months of bank deposits to verify income. Perfect for self-employed borrowers with strong cash flow.

Get Started

Flexible Documentation

Income Types We Accept

Traditional banks only want W-2s. We see the full picture.

📊 Bank Statements

12-24 months of business or personal bank statements. Perfect for self-employed with healthy cash flow.

💼 1099 Income

Contractors, freelancers, gig workers. If you get 1099s, you qualify.

💰 Asset Depletion

Retirees with investment accounts. We use your assets to calculate income.

Banks Said No? We Said Yes to 847 Borrowers Last Year.

Get Your Custom Approval Estimate

Non-QM vs Traditional Mortgage:The Self-Employed Advantage

Traditional Mortgage

Non-QM Loan

Your tax write-offs shouldn't disqualify you

Income Qualification Calculator

Income Types We Accept

📊 Bank Statements

💼 1099 Income

💰 Asset Depletion

What's Trending in Smart Money

"Finally Got Approved: Bank Statement Loan Experience"

Non-QM Rates Drop to 7% Range

The "12 vs 24 Month Bank Statement" Decision

Non-QM Originations Up 40% in 2025

Banks Said No?
We Said Yes to 847 Borrowers Last Year.

Non-QM vs Traditional Mortgage:
The Self-Employed Advantage