Bank statements
Some programs analyze eligible deposits and expenses over a defined period.
THE GUIDE
Start with what matters in your situation.
Self-employed homeowners may have qualifying paths based on bank statements, 1099 income, a supported profit and loss statement, assets, or investment property cash flow. These are documented loans with real underwriting.
1099 or business income
A loan officer can review how your work and documentation fit a specific program.
Assets and property cash flow
Other programs may use eligible assets or a rental property’s cash flow, with different rules.
What to prepare
Have your recent mortgage statement and a short account of your goal available for the first conversation. If documents are needed, staff will explain a secure next step.
Never put Social Security numbers or account numbers into a public comment or this review form.
A STRAIGHT ANSWER
Let the details guide the recommendation.
No ad can approve a loan. Program requirements, the property, your documentation, and individual lender terms determine what is possible.
COMMON QUESTIONS
Questions worth asking
Are these no-document mortgages?
No. The documentation changes by program, but the lender still verifies eligibility.
Can I use DSCR on my primary home?
DSCR typically applies to eligible investment property, not an owner-occupied primary residence.