Self-employed borrowers
Self-Employed Mortgage Calculator
Tax returns often show less income than the business actually deposits. This calculator compares a traditional taxable-income view with the same bank-statement formula used on the Non-QM hub: deposits × (1 − expense factor). It is an educational model, not underwriting.
Linkable tool
Self-Employed Mortgage Income Analyzer
Compare a traditional taxable-income view with a bank-statement model. This does not mean a lender will use either number. It shows why write-offs and deposits can tell different stories.
Uses example assumptions you can adjust; lenders set actual underwriting factors.
Traditional income view
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Bank statement model
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Difference
Enter deposits, taxable income, and an expense percentage to compare.
Calculated with National Mortgage Center
Know your numbers. Plan your next move.
See How Expense Factor Changes Qualifying Income
Same deposits, different expense assumptions. This uses the existing bank-statement formula: deposits × (1 − expense factor). Lender methodology varies.
Uses example assumptions you can adjust; lenders set actual underwriting factors.
Enter monthly deposits and an expense percentage to model your example.
Lender methodology and allowable expense factors vary by program and borrower profile. This model is educational.
What this tool does not do
- It does not approve a loan or quote a rate.
- It does not decide which deposits a lender will count.
- It does not replace a full Non-QM qualification analyzer with payment and DTI context.
Continue on the Non-QM qualification analyzer or read the bank statement loan guide.
Part of the Non-QM Loans pillar
Explore the Non-QM Loans cluster
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Non-QM Loans Hub
Find a qualification path, model income, and learn how Non-QM loans work.
Open hubBank Statement Loans
Qualify using personal or business deposits when tax returns understate cash flow.
Bank statement guideAsset Depletion Loans
Model how eligible assets may support qualifying income.
Asset guideDSCR Loans
Investment property financing based on rental cash flow.
DSCR hub