NOT EVERY BORROWER
FITS THE BOX.
Business owners, real estate investors and borrowers with complex income need more than a one-size-fits-all mortgage conversation.
HERE'S THE
GAME PLAN.
UNDERSTAND YOUR INCOME
Review the structure of your business, tax returns, assets and documentation.
MATCH THE FINANCING
Discuss conventional, bank-statement, rental-property and other potentially available options.
BUILD THE STRATEGY
Balance financing requirements, property type, available cash and long-term investment plans.
YOUR TAX RETURN ISN’T YOUR WHOLE STORY.
Different programs consider income and assets differently. Bank-statement and other alternative-documentation programs may be available to qualified borrowers, often with different terms, documentation requirements and costs.
GOOD QUESTIONS.
REAL ANSWERS.
Can self-employed buyers qualify using bank statements?+
Some eligible borrowers may qualify under alternative-documentation programs. Availability and requirements vary.
What is DSCR financing?+
Debt-service coverage ratio financing is an investor-oriented approach that may consider qualifying rental-property cash flow, subject to program guidelines.
Can I finance multiple rental properties?+
Potentially. Property count, reserves, income, credit and available programs determine options.