When a self-employed buyer is denied, the file usually died on the tax returns. Connor specializes in the second opinion that saves the deal, qualifying you on your deposits, not your write-offs.
Get My Free Game PlanFigures are typical 2026 guidelines and vary by borrower, property, and lender overlays; all loans subject to credit approval.
If you write off expenses to run your business well, your tax returns may not reflect your true ability to repay. That's not a dead end, it's exactly what non-QM programs were built for. Alternative documentation doesn't mean a risky borrower; it usually just means self-employed or investing.
Buying a rental but your returns show 'no income'? A DSCR loan qualifies on the property's rent versus its payment (debt service coverage ratio), not your personal income, typically around 620–680+ FICO with 20–25% down and no personal income docs.
Other options include ITIN loans (for buyers filing with an Individual Taxpayer Identification Number) and asset-based programs. Non-QM pricing and guidelines vary widely between lenders, so never self-reject, send Connor the scenario and he'll find the box it fits in.
Yes. Bank statement loans qualify you on 12-24 months of deposits rather than tax returns, built for business owners who write everything off.
A loan that documents income from your business or personal bank deposits instead of tax returns, helping many self-employed borrowers qualify.
A DSCR loan qualifies on the property's rent versus its payment, not your personal income, ideal for investors whose tax returns show little income.
Often, yes. When a self-employed file dies on tax returns, a bank statement or other non-QM program is frequently the second opinion that saves the deal.
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