Self-employment offers freedom, creativity, and the ability to build wealth on your own terms. But when it comes to mortgages, that independence often feels like a roadblock. Traditional lenders rely heavily on W-2s, pay stubs, and tax returns as primary sources of verification.
If you’ve reinvested in your company, taken advantage of tax deductions, or built wealth through assets and investments, your income picture may look inconsistent on paper, even if you’re financially strong. Non-QM loans for self-employed borrowers are designed to fill that gap, giving independent earners options that traditional mortgages often don’t.
How Non-QM Loans Support Self-Employed Borrowers
Non-QM loans are built for people whose income and assets don’t fit neatly into a traditional mold. They provide:
- Alternative qualification options when tax returns don’t reflect true earning power
- Flexible documentation such as 12–24 months of bank statements or proof of assets
- Higher loan amounts to support primary homes, investment properties, and vacation homes
- Competitive rates that make homeownership and investing accessible without compromising affordability
This adaptability ensures that entrepreneurs, freelancers, and investors can pursue homeownership and portfolio growth with confidence.
Loans for Self-Employed Borrowers: Bank Statement Loans
For many entrepreneurs and freelancers, traditional tax returns don’t capture the true earning picture. Business owners often reinvest in their companies and write off expenses, which lowers their taxable income on paper. That makes it hard to qualify under conventional guidelines, even if their bank accounts clearly show healthy deposits.
That’s why LendSure Home Loans offers Bank Statement loans (one of the most popular loans for self-employed borrowers), designed to evaluate cash flow instead of tax returns. Borrowers provide 12 or 24 months of personal or business bank statements, and the team at LendSure Home Loans analyzes deposits to calculate qualifying income. This gives a realistic view of how much money flows into the business, rather than relying on tax-adjusted figures.
Key Benefits
- Loan amounts up to $3,500,000
- Up to 90% Loan-to-Value (LTV)
- Business expense factors as low as 10%
- Flexibility to combine W-2 income with bank statement income for borrowers with hybrid careers
- No P&L statements required, simplifying the paperwork process
Who Benefits Most
- Freelancers or consultants with seasonal or uneven income cycles
- Business owners who take full advantage of tax deductions
- Commission-based professionals whose income can swing month to month
Instead of penalizing you for smart tax planning, LendSure Home Loans lets your bank deposits do the talking.
Loans For Self-Employed Borrowers: Asset Qualifier Loans
Some self-employed borrowers don’t rely on steady monthly income at all. Instead, they’ve built wealth through years of saving, investing, or running businesses. While their balance sheets are strong, they often don’t meet traditional income verification requirements.
LendSure Home Loans’ Asset Qualifier loan program provides a solution by letting borrowers use assets like cash, stocks, bonds, and retirement accounts to qualify. The focus shifts from income statements to the overall financial picture.
How It Works
- LendSure Home Loans credits 100% of cash and equivalents, 80% of stocks and bonds, and 70% of retirement accounts
- The total asset pool is divided by 60 months (five years) to calculate a qualifying monthly income
- This method essentially doubles the qualifying income compared to traditional Asset Depletion loans, which typically divide by 120 months
Program Highlights
- Loan amounts up to $3,500,000
- LTV up to 80% for purchases, 75% for rate & term or cash-out refinance
- Fast pre-qualifications, often within 24 hours
- Straightforward documentation focused on proof of assets
Who Benefits Most
- Retirees with large retirement accounts but no active monthly income
- High-net-worth individuals with portfolios of stocks and bonds
- Self-employed borrowers who have accumulated significant liquid reserves
With an Asset Qualifier loan from LendSure Home Loans, your assets become the key to securing financing, no tax returns or pay stubs required.
Loans For Self-Employed Borrowers: Investor Cash Flow (DSCR)
Many self-employed borrowers are also real estate investors. For these borrowers, the most relevant measure of ability to repay isn’t personal tax returns, it’s the property’s income potential. LendSure Home Loans’ Investor Cash Flow loan (also known as a DSCR loan – a unique type of loan for self-employed borrowers) focuses on the property’s income rather than personal tax returns.
Instead of focusing on the borrower’s income, qualification is based on the rental property’s monthly cash flow. If the property generates enough income to cover its expenses, the borrower may qualify, regardless of personal documentation.
Program Highlights
- Loan amounts up to $3,000,000 for 1-4 unit properties; up to $2,000,000 for 5-10 unit properties
- Finance up to 10 properties at once for a single investor
- LTV up to 85% for purchases and up to 75% for refinances
- Cash-out options up to $500,000
- Non-warrantable condos and condotels allowed (up to 75% LTV)
- 10-year interest-only payment option available to maximize cash flow
Who Benefits Most
- Experienced investors expanding rental portfolios
- First-time investors leveraging one property to finance another
- Self-employed borrowers who want investment property financing without adding personal tax return complexity
For real estate investors, DSCR loans from LendSure Home Loans capture their growth potential by letting the property’s performance speak for itself.
Why Choose LendSure Home Loans?
It’s simple. We make loans that make sense. We’re not in-the-box lenders. Of course, there are numbers, ratios, and data to consider, but we know that behind every file, there’s an individual with unique circumstances seeking a loan.
We’re redefining the mortgage experience one loan at a time. Thanks to our common-sense approach and dedicated lending team, we often say ‘ yes’ to today’s homeowners and investors. Ready to explore how LendSure Home Loans can help you finance your next property? Contact us today.
