Learning center
Answers first. Then the mechanics.
Guides for people who want to know how a program reads their file, and what it costs them, before they talk to anyone. No rates, and no guidelines dressed up as facts.
Decision guide
The long read, when the choice itself is the question.
Bank statement, 1099 and P&L qualification for owners whose tax returns understate what the business earns.
Self-employed financing
5 guides on Self-employed financing.
Self-employed financing
Bank Statement vs Conventional for the Self-Employed: Run Both First
Before choosing a bank statement loan, have a broker recompute your Schedule C the way an agency underwriter would: add back depreciation, home office and one-time costs.
Self-employed financing
Self-Employed Less Than Two Years: Your Mortgage Options
With under two years of self-employment there are three realistic paths: a conventional loan under the same-field exception, a 12-month…
Self-employed financing
Which Deposits Count on a Bank Statement Loan (and Which Get Thrown Out)
Deposits that represent revenue from your business count; transfers between your own accounts, loan proceeds, refunds, gifts and large one-offs you cannot document are removed.
Self-employed financing
Bank Statement Loan Expense Factor, Explained
The expense factor is the share of business-account deposits a lender assumes went to running the business; what remains is qualifying income.
Self-employed financing
12-Month vs 24-Month Bank Statement Loans
A 12-month window measures your current run-rate; a 24-month window averages in the year before it.
Quick answers
The short version, when that is all you need.
Mortgage FAQs
Forty-plus questions borrowers ask before they apply, grouped by program, with the trade-offs included.
Browse the FAQsMortgage glossary
Plain-English definitions of the terms that come up in non-traditional lending: ATR, non-QM, DSCR, PITIA, expense factor, CLTV, seasoning.
Open the glossaryFind out which program fits your situation.
Answer a few questions about your goal, the property and how you earn. A RateLogiq mortgage professional reviews your scenario and walks you through the options. No credit check at this step, and no application.