Self-Employed Mortgage Options
Bank-statement, P&L, and non-QM programs for business owners.
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If your tax returns don't reflect your true income, you have options: 12- or 24-month bank statement loans, P&L-only loans, or asset-depletion loans.
These are non-QM programs — the rate is higher than conventional, but qualification is based on actual cash flow rather than net income after write-offs.
NEXA's wholesale panel gives access to multiple non-QM investors, which matters a lot on this product category.
Talk to a NEXA loan officer
This guide is written by Renato Rodic, a NEXA Lending loan officer. See the contact page to reach him about your specific scenario.