A bank statement loan is a mortgage designed for self-employed borrowers who may not qualify using traditional tax returns. Instead of W-2s or full tax documentation, lenders review 12–24 months of personal or business bank statements to determine income eligibility.

A DSCR (Debt Service Coverage Ratio) loan allows real estate investors to qualify based on a property's rental income rather than their personal income. These loans are commonly used for rental property purchases, refinances, and portfolio expansion.

Yes. Some lenders offer ITIN mortgage programs for borrowers who do not have a Social Security number. These loans typically require a valid ITIN, credit history, proof of income, and may have different qualification guidelines than traditional mortgages.

A Non-QM (Non-Qualified Mortgage) loan is designed for borrowers who do not meet traditional mortgage guidelines. These loans provide more flexible underwriting options for self-employed borrowers, investors, foreign nationals, and borrowers with alternative income documentation.

Yes. Self-employed borrowers can qualify using several alternative income verification options such as bank statement loans, 1099 income programs, or asset utilization programs when traditional tax returns do not reflect their true income.