For self-employed and complex income.
Self-employed or have non-traditional income? Bank-statement and Non-QM programs qualify you on real cash flow, not just W-2s.
Not sure this is the right fit? We'll compare it against every option — in-house and across 109+ lenders — and tell you straight.
Talk to an expert| Income | Bank statements or alternative documentation |
|---|---|
| Best for | Self-employed, 1099, and business owners |
| Credit | Flexible guidelines |
| Down payment | Program-dependent |
Guidelines shown are general program parameters and can vary by borrower, property, and investor requirements — ask us about your specific scenario. Not a commitment to lend.
Self-employed borrowers and business owners whose tax returns don't reflect their true cash flow. We qualify you on deposits instead.
Not for bank-statement programs — we use a period of bank statements to establish income.