For self-employed & Non-W2 borrowers
Your cash flow
qualifies you.
Bank statements, P&Ls, or 1099s — not just tax returns. We help self-employed borrowers finance a home or investment property using the income their business actually produces.
No tax returns to get a read · No credit pull to start · Licensed in Texas, educational nationwide
The self-employed problem
- What you really earn
- $182,000
- What write-offs leave on your return
- $74,500
- What a conventional lender counts
- $74,500
- What a bank-statement loan can count
- ~$140,000
Illustrative only. Smart tax strategy shouldn't cost you the house.
Five ways to document income
Pick the one that fits how you actually get paid
By profession
Underwriting reads every trade differently
Why borrowers trust us
Built by mortgage professionals, reviewed for accuracy
Every guide is written from real Non-QM underwriting practice and reviewed before it earns a byline. We explain how income is actually calculated — not marketing math.
How we work →- 01No tax-return trap. We count the income your business produces, documented the way Non-QM lenders accept.
- 02Plain underwriting math. Expense ratios, 12- vs 24-month averaging, asset depletion — shown step by step.
- 03Compliance-first. Educational only. No live APR or payment quotes. Equal Housing Lender.
No tax returns required to start
See whether your cash flow qualifies
Tell us how you earn. A Q Mortgage specialist reviews bank-statement, P&L-only, 1099, and asset-depletion options with you — no credit pull to get a read.