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The self-employed client whose write-offs erased their qualifying income.
Bank statement, P&L, and 1099 programs read the deposits instead of line 11. Good accounting stops being a mortgage penalty.
Send your client to Self-Employed Solutions →The client with an ITIN, a stable life here, and a landlord instead of a lender.
ITIN programs treat years of rent history as the credit file and turn a stack of on-time payments into a deed.
Send your client to ITIN and Foreign National →The buyer with real cash flow and no W-2, and the 2-to-9-unit listing that keeps attracting offers that can't close.
DSCR and small multifamily programs qualify the property, not the paycheck, and welcome LLC vesting.
Send your client to Investor Financing →The retired or asset-rich client about to liquidate a position just to look qualified, and the cash-heavy client who should know the Equity Acceleration structure exists.
Asset depletion converts the balance sheet into qualifying income. The Equity Acceleration Mortgage puts idle deposits to work against principal every day.
Send your client to Asset-Based Qualification →