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.
Traditional income view
$8,000/mo
Bank statement model
$10,000/mo
Difference
+$2,000 monthly
How could this affect buying power? Higher modeled income can support a larger illustrative payment — only if a lender accepts that methodology. Use the qualification analyzer for payment and DTI context.
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.
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
Return to the hub or jump to another cluster page. Each page is meant to stand alone.
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