Self-employed borrowers
Explore programs designed for eligible business owners whose tax returns may not fully reflect the cash-flow story of the business.
SELF-EMPLOYED · INVESTOR · NON-QM
Your financial story may be stronger than a traditional box suggests.
Business owners, 1099 borrowers, and real-estate investors can have strong scenarios that standard documentation doesn't always capture cleanly. Billy can help compare alternative paths across a broader lender network.
COMMON PATHS
Bank StatementDSCRInvestor FinancingAlternative Documentation
When the full picture matters
Built for scenarios that need a little more creativity.
Real-estate investors
Discuss DSCR and other investment-property paths where property performance may play a central role.
Nontraditional income
When W-2 documentation doesn't fit, review whether another lender or program offers a workable route.
Why a broker can matter
One lender's answer doesn't always tell the whole story.
Different lenders can have different product menus, documentation requirements, and risk tolerances. The first job is understanding the scenario—not assuming the product.
Bank Statement
Alternative documentation for eligible self-employed borrower scenarios.
DSCR
Investment-property financing where property cash-flow metrics can be central.
Scenario-first review
Start with the borrower, property, income story, and goal before choosing a program.
COMPLEX DOESN'T HAVE TO FEEL COMPLICATED
Bring the scenario. Billy will help organize the options.
A short description is enough to start the conversation. Save sensitive documents for the secure application process.
Discuss My ScenarioCommon questions
Helpful answers before you move forward.
What is a bank-statement mortgage?
For eligible self-employed borrowers, some programs may evaluate qualifying income using business or personal bank statements rather than only traditional tax-return calculations.
What is a DSCR loan?
Certain investment-property programs may focus on property cash-flow metrics such as debt service coverage ratio. Property and program rules vary.
Do non-QM loans require more down payment?
They may have different credit, reserve, down-payment, rate, and documentation requirements. The actual terms depend on the full scenario and program.
Is a higher rate always the tradeoff?
Alternative-documentation programs can price differently from agency loans, but pricing varies. Compare rate, costs, eligibility, documentation, and the goal together.
Direct access
Tell Billy what makes your scenario different.
A short summary is enough. Please do not include tax returns, account numbers, SSN, or sensitive documents in this quick form.
View Billy's official Lit Financial profileYour next move
Ready for a full scenario review?
Use the secure mortgage application when you are ready to provide the information needed to evaluate available mortgage paths.