Non-QM · Bank Statement
Twelve or twenty-four months of deposits become your qualifying income.
We total the deposits into your business or personal account, apply an expense factor, and treat the result as income. Write-offs on your return stop working against you.
This is the most-used non-QM program in the country for a reason: it maps closely to how a healthy small business actually looks on paper.
How it works
Twelve months is standard; twenty-four averages out a seasonal business.
Deposits minus transfers, times the expense factor. You see the worksheet.
Three to four weeks.
Questions
Business revenue. Transfers between your own accounts, loan proceeds, and one-off deposits are stripped out — and we show you which ones and why.
Personal statements usually qualify more income because no expense factor applies to the portion that is already your draw. We run both and take the better one.
Guidelines shown are typical for this programme and are not a commitment to lend. Overlays vary by investor and change without notice; your file is priced and approved on its own facts.
Three minutes of questions and you'll see whether this programme fits — no credit pull.
