Missing tax returns shouldn’t stop borrowers from getting approved for a loan. Whether your borrower is self-employed, an investor or a W2 wage earner, we have options to qualify them without tax returns.

Qualify with 12- or 24-months business bank statements

Qualify with 12- or 24-months personal bank statements

Qualify using DSCR

Qualification based on property cash flow

Qualify with 12- or 24-months 1099 Statements

Qualify using Asset Depletion
Stocks, bonds, mutual funds, checking/savings and retirement (regardless of age)

Qualify with 12- or 24-months Tax Preparer P&L statements

Qualify using straight W2 income
1 or 2 years W2 and current 30 day paystub, WVOE to use variable income

Qualify with an IRA or Trust Income Documentation

Qualify rental properties using lease agreements vs. tax returns

Qualify with retirement, social security, annuity, or pension income
Only need one of the following: award letter, benefits statement, 1099 or proof of direct deposit

Combine these income streams to qualify for more!