The Problem Every Business Owner Knows
You're making good money. Your business is profitable. Your accountant is doing their job, minimizing your taxable income. So when you go to a bank and they average your last two years of tax returns, suddenly you "don't qualify" for a mortgage. It's the most frustrating thing in the industry and I hear about it every week.
Here's the thing: you're not unfundable. You just need the right product. That's exactly what I specialize in.
Non-QM Solutions That Actually Work
Non-QM stands for "Non-Qualified Mortgage." That sounds scary but all it means is that the loan doesn't fit into the standard Fannie Mae / Freddie Mac box. These are legitimate, regulated products designed for people whose income doesn't look clean on a 1040. Here's what I offer:
Bank Statement Loans. Instead of tax returns, we use 12 or 24 months of your business or personal bank statements to calculate your income. If your deposits show consistent revenue, we can qualify you based on that. This is the most popular product for self-employed borrowers.
P&L (Profit & Loss) Programs. Some lenders will accept a CPA-prepared profit and loss statement as your primary income document. If your accountant can put together a P&L that reflects your actual earnings, this can be a faster path to approval.
Asset Depletion. If you've built up significant savings, investments, or retirement accounts, we can use those assets to qualify you, even without traditional income documentation. This works especially well for retirees, semi-retired business owners, or anyone sitting on substantial liquid assets.
DSCR Loans (for investors). If you're buying an investment property, we don't even need to look at your personal income. DSCR (Debt Service Coverage Ratio) loans qualify based on the property's rental income vs. the mortgage payment. If the rent covers the note, you're in. No tax returns, no W-2s, no pay stubs.
Competitive Rates, Flexible Terms
Non-QM rates used to be significantly higher than conventional. That gap has narrowed a lot. I shop your loan across multiple Non-QM lenders to find you the best rate and terms available. Because I'm a broker, not a bank, so I'm not limited to one company's products. I go where the deal is.
Why This Is a Key Differentiator
Most loan officers at the big banks don't even know these products exist. They'll run your tax returns through their system, tell you you don't qualify and send you on your way. I've built my practice around solving exactly this problem. If you're a business owner, a freelancer, a 1099 contractor, or anyone whose income doesn't fit in a neat box, call me. I'll find the product that works.