See if you qualify — free, 60-second check.
How much home can you afford when you're self-employed? Start with your qualifying income — your counted bank-statement deposits, not your tax-return income — then see the home price it supports at today's rates.
The biggest mistake self-employed buyers make is using their tax-return income, which write-offs shrink. For a bank statement loan, your qualifying income is based on deposits. Run the bank statement calculator first, then enter that number here.
We target a total housing payment near 43% of your qualifying income after other debts, then back into a home price using your rate and down payment. Lowering monthly debts or adding down payment raises your maximum.
Non-QM loans for the self-employed often allow debt-to-income up to about 50% with strong profiles, and they skip monthly PMI. They typically want 10%+ down and a few months of reserves, which a specialist can factor into your real number.
Want your exact numbers? Use the free eligibility check at the top of this page and a licensed specialist will run them for you — no credit pull.
Use your qualifying income — for self-employed borrowers that's your counted bank deposits, not your lower tax-return income.
Bank statement programs often start at 10% down, with stronger pricing at 15–20%.
Conventional loans usually cap near 43%, but non-QM bank statement loans can allow up to about 50% with strong credit and reserves.
Often yes — many non-QM programs want 3–12 months of payments in reserves, with larger loans requiring more.
Yes. More down lowers your loan and payment, and can unlock better pricing, raising your maximum price.
The math is similar, but the key difference is the income you use — deposits-based qualifying income rather than tax-return income.
Free, no-obligation. See what you qualify for in about a minute.