• Photo ID — driver’s license or passport
• Credit authorization — we’ll send a secure consent form
• Assets — most recent 2 months of statements for funds to close and reserves
• Purchase — signed contract and any addenda
• Refi — current mortgage statement and insurance declarations page
• HOA — most recent HOA statement (if applicable)

Need help? Email [email protected] or call 205-292-7996.

• Most recent 30 days of pay stubs
• Most recent 2 years of W‑2s
• Most recent 2 months of bank statements for assets
• Employment verification (we handle this)

• 2 years personal and business tax returns with all schedules
• YTD P&L and balance sheet
• Most recent 2 months of bank statements for assets

Designed for self‑employed borrowers who qualify using deposits instead of tax returns.

What to upload

• 12 or 24 months of consecutive business bank statements (some programs allow personal statements instead)
• All pages for each statement period
• Business evidence — business license, CPA letter, or SOS filing
• Expense factor — CPA letter or P&L if using a custom expense ratio
• Credit authorization and photo ID
• Assets/reserves as required by the program

Helpful info

• Do not include screenshots or transaction printouts in place of statements
• Keep personal and business funds separate if using personal statements
• Short‑term rental owners: have a basic occupancy and revenue summary handy

Underwritten to the property’s income rather than your personal income.

What to upload

• Photo ID and credit authorization
• Assets/reserves — typically 3–6 months of PITIA
• Lease agreement or expected market rent (we’ll order Form 1007 with the appraisal)
• Purchase: signed contract; Refi: current mortgage statement
• Insurance — current declarations or quote/binder
• Entity docs if closing in an LLC or corp (Operating Agreement, EIN letter)
• Short‑term rentals: last 12 months of booking history if available

Helpful info

• We calculate DSCR using the appraiser’s market rent or lease divided by proposed PITIA
• Some lenders request a simple rent roll for multi‑unit properties
• Cash‑out refi? Have a payoff statement ready when ordered

• Photo ID and credit authorization
• Scope of work and budget
• Purchase contract or payoff for refi
• Entity docs if using an LLC or corp
• Assets for down payment and reserves
• Exit plan (sell or refi)