• Photo ID — driver's license or passport
• Credit Authorization — we'll send a secure consent form
• Assets — Most recent 2 months of statements for funds to close and reserves
• Purchase — Signed purchase contract and any addenda
• Refinance — Current mortgage statement and insurance declarations page
• HOA — Most recent HOA statement (if applicable)

Designed for self-employed borrowers who qualify using deposits instead of tax returns.

What to Upload

• 12 or 24 months of consecutive business bank statements (some programs allow personal statements instead)
• All pages for each statement period
• Business evidence — Business license, CPA letter, or Secretary of State filing
• Expense factor — CPA letter or P&L if using a custom expense ratio
• Credit authorization and Photo ID
• Assets/Reserves as required by the program

Helpful Information

• Do not upload screenshots or transaction printouts in place of statements.
• Keep personal and business funds separate if using personal statements.
• Short-term rental owners should have a basic occupancy and revenue summary available.

Underwritten based on the property's income rather than your personal income.

What to Upload

• Photo ID and Credit Authorization
• Assets/Reserves — Typically 3–6 months of PITIA
• Lease Agreement or expected market rent (Form 1007 ordered with appraisal)
• Purchase: Signed contract  |  Refinance: Current mortgage statement
• Insurance — Current declarations page or quote/binder
• Entity Documents if closing in an LLC or Corporation (Operating Agreement, EIN Letter)
• Short-Term Rentals — Last 12 months of booking history (if available)

Helpful Information

• DSCR is calculated using the appraiser's market rent or lease divided by proposed PITIA.
• Some lenders request a rent roll for multi-unit properties.
• Cash-out refinance borrowers should have a payoff statement available when requested.

• Most recent 30 days of pay stubs
• Most recent 2 years of W-2 forms
• Most recent 2 months of bank statements for assets
• Employment Verification (handled by our team)

• 2 years of personal and business tax returns with all schedules
• Year-to-Date Profit & Loss Statement and Balance Sheet
• Most recent 2 months of bank statements for assets

• Photo ID and Credit Authorization
• Scope of Work and renovation budget
• Purchase Contract or payoff statement for refinance
• Entity Documents if using an LLC or Corporation
• Assets for down payment and reserves
• Exit Strategy (Sell or Refinance)

• Business Financials — Last 2 years of tax returns, YTD P&L, and Balance Sheet
• Personal Financial Statement and resumes of all owners
• Business Debt Schedule
• Entity Documents and ownership chart