Posts Tagged ‘Non-QM Loans’
Maximizing Bank Statement Loan Income: The CPA Letter and the Expense Factor
For self-employed homebuyers in Colorado, the Bank Statement Loan is often the most logical path to a mortgage. Instead of relying on tax returns where heavy deductions can shrink your taxable incomele, nders evaluate your actual cash flow via 12 or 24 months of business deposits. However, there is a critical detail that many borrowers…
Read MoreInvestment Property Loan Rules: Conventional vs Non-QM and Fannie Mae Rental Limits
Understanding Investment Property Loan Rules in Colorado Investment property loan rules are very different from owner-occupied mortgage guidelines, and they become even more important as your rental portfolio grows. Real estate investors in Centennial, Denver, Parker, Castle Rock, and across Colorado often ask how many properties they can finance, what income counts, and when conventional…
Read MoreS-Corp vs. LLC: Which Business Structure Eases Mortgage Qualification?
If you are a successful self-employed professional, you already understand the delicate balancing act: you want to minimize your taxable income to save money on taxes, but you need to maximize your qualifying income to secure the best mortgage. The legal and tax structure you choose for your business—specifically, an S-Corporation (S-Corp) versus a Limited…
Read MoreDo DSCR Loans Require Personal Income Verification in Colorado?
One of the most common questions Colorado real estate investors ask about DSCR loans income verification is whether personal income or tax returns are required. In most cases, DSCR loans do not require personal income documentation. Qualification is based on the income produced by the investment property rather than the borrower’s personal earnings. This approach…
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