Tax-return qualification
A lender may review business and personal returns, business history, and income trends.
Explore tax-return qualification →SELF-EMPLOYED
The right documentation tells the story.
Tax returns remain a common path. Some eligible borrowers may also have alternative-documentation options through available lenders.
Traditional or alternative documentation.
The fit depends on the income evidence and loan program.
Bank statement
Some programs assess qualifying deposits and business expenses using an eligible statement history.
Explore bank statement →Investor / DSCR
For an eligible rental property, some lenders focus on property cash flow instead of traditional employment income.
Explore investor / dscr →Questions that change the answer.
A strong business does not always appear the same way on a tax return and a bank statement.
- How long have you owned the business and what changed recently?
- How is income received and documented?
- What home price, occupancy and down payment are you considering?
- Do business debts or deposits need an explanation?
Compare the entire loan.
Alternative-documentation programs can have different rates, costs, reserves and property rules. John can review the available paths for your scenario.
TALK THROUGH YOUR SCENARIO
Start with a conversation.
Tell John what you want to accomplish. He’ll help you sort through the options and next steps.