Self-Employed Mortgage Options
Bank-statement, P&L, and non-QM programs for business owners.
Bank-statement, P&L, and non-QM programs for business owners.
- If your tax returns don't reflect your true income, you have options: 12- or 24-month bank statement loans, P&L-only loans, or asset-depletion loans.
- These are non-QM programs — the rate is higher than conventional, but qualification is based on actual cash flow rather than net income after write-offs.
- NEXA's wholesale panel gives access to multiple non-QM investors, which matters a lot on this product category.
What does this guide cover?
If your tax returns don't reflect your true income, you have options: 12- or 24-month bank statement loans, P&L-only loans, or asset-depletion loans.
These are non-QM programs — the rate is higher than conventional, but qualification is based on actual cash flow rather than net income after write-offs.
NEXA's wholesale panel gives access to multiple non-QM investors, which matters a lot on this product category.
Frequently asked questions
What is the self-employed mortgage options about?
Bank-statement, P&L, and non-QM programs for business owners.
What are the key points to know?
If your tax returns don't reflect your true income, you have options: 12- or 24-month bank statement loans, P&L-only loans, or asset-depletion loans.
How does this work in practice?
These are non-QM programs — the rate is higher than conventional, but qualification is based on actual cash flow rather than net income after write-offs.
What should I do next?
NEXA's wholesale panel gives access to multiple non-QM investors, which matters a lot on this product category.
How can I talk to a NEXA loan officer about my situation?
Contact Renato Rodic (NMLS #1615600) via the Contact page or book a 1:1 call — he can review your specific scenario and walk you through the relevant NEXA loan program or onboarding path.
References
Self-Employed Mortgage Options. Ask About NEXA. https://askaboutnexa.com/guides/self-employed-mortgage. Last updated June 20, 2026.