Non-QM (P&L, Bank Statements, DSCR)

A. P&L (profit and loss)

1. Must be self-employed and owed their own business
2. CPA letter verifying business ownership/ article of incorp, etc.
3. Down min. 20%
4. State or Federal ID (Driver’s license or passport) & Social Security card

B. Bank statements

1. Must be self-employed and owed their own business
2. 12 months or 24 months business bank statement
3. CPA letter verifying business ownership
4. Down min. 20%
5. State or Federal ID (Driver’s license or passport) & Social Security card

C. DSCR (Debt Service coverage ratio)

Investment property