Non-QM

Bank-statement program

Qualify using personal or business deposits when tax returns understate cash flow.

12–24 month statements typical
Personal or business accounts
Self-employed focus

Who it is for

Business owners and 1099 professionals whose tax returns do not reflect the cash they actually run.

Bank-statement loans exist because many profitable businesses show modest taxable income. We size qualifying income from deposits and an expense factor — then compare that to DSCR or asset utilization if the property is an investment.

Questions

Do I still send tax returns?: Some executions skip returns; others want them for identity or business seasoning. We tell you which lane you are in before you collect files.

Related programs

1099-only
Use 1099 income without a full two-year tax-return package when the work is contract-based.
DSCR
Qualify the rental property on cash flow rather than personal DTI.

Ready to structure a file that can actually close?

Tell us the purpose, the property, and how you document income. We will place the request with a program that fits — this is not a loan approval.

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