Mortgage Options for Self-Employed Borrowers
Business income does not always fit neatly into a W-2 underwriting box. We compare standard and alternative documentation programs based on the actual situation.
Review My Income OptionsBank-statement programs
Qualifying income may be estimated from eligible business or personal bank deposits, subject to lender guidelines and expense assumptions.
P&L programs
Some non-QM programs may use a CPA- or borrower-prepared profit-and-loss statement with supporting documentation.
DSCR for investment property
For qualifying investment properties, debt-service coverage programs may emphasize property cash flow rather than traditional personal income.
Full-document financing still matters
Alternative documentation is not automatically better. We compare it against conventional, jumbo and other full-doc options when possible.