Non-QM
Stated-income program
Limited-income-documentation executions for borrowers who cannot produce a conventional paper trail.
- Reduced income docs
- Stronger credit and down payment typical
- Not a no-review loan
Who it is for
Self-employed or unique-income borrowers who still have assets, credit, and a property that supports conservative leverage.
Stated-income lending is tightly boxed. Lenders want lower leverage and stronger credit in exchange for less income paper. If bank statements or 1099s tell a better story, we use those instead.
Questions
- Can I state any income?
- No. Reasonableness tests, assets, and LTV still apply. Stated-income is not a way to invent cash flow.
Related programs
- Bank statements
Qualify using personal or business deposits when tax returns understate cash flow.
- No-ratio
Asset- or credit-focused executions that do not use a traditional DTI ratio.
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.