Run the numbers
Self-Employed Mortgage Calculators
Free calculators for self-employed borrowers: bank-statement income, expense ratios, self-employed DTI, asset depletion, and down payment — illustrative estimates, no credit pull.
These calculators mirror how Non-QM underwriters approach the math, so you can get a realistic read before you ever talk to a lender. Every result is illustrative — a planning estimate, not a quote, pre-approval, or commitment to lend.
Bank-Statement Income Estimator
Estimate the qualifying income a bank-statement loan could use from your deposits. Compare personal vs. business statements and …
Down Payment Required Calculator
Estimate the down payment and loan amount for a self-employed mortgage at common Non-QM loan-to-value levels — illustrative …
Expense Ratio Estimator
See the expense factor an underwriter is likely to apply to your business type, and what your gross deposits could translate to as …
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.