The mechanics
How Self-Employed Mortgage Underwriting Works
The actual math behind bank-statement income, expense ratios, asset depletion, seasonal averaging, and the two-year rule — how underwriters really calculate what you can borrow.
The difference between a decline and an approval is usually a number an underwriter computed a specific way. These explainers walk through that math step by step — how deposits become qualifying income, why your expense ratio matters, how seasonal swings get averaged, and where cash deposits and NSFs help or hurt.
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.