I Got A Mortgage As A Business Owner Using ONLY Bank Statements!

Start here: https://seimortgage.com
Self-employed with strong deposits but the bank still says no? This episode shows how bank statement loans translate 12–24 months of real deposits into qualifying income, so you can buy or refi without tax returns and pick the right Non-QM path for your situation. 

🔥 What you’ll learn:
• When bank statement loans beat tax-return underwriting
• How income is calculated from deposits and expense factors
• Simple docs to prove self-employment without a P&L
• Fixed vs ARM, 40-year, and interest-only tradeoffs
• How Ryan compares investors and picks the best fit

SUBSCRIBE/FOLLOW FOR MORE!
Instagram:   / seimortgage  
Instagram (Ryan):   / ryan_j_marks  
Facebook (Ryan):   / ryan.marks.79025648  

⏱ Timestamps
0:00 Why deposits don’t equal approval
0:25 What is a bank statement loan
0:48 How qualifying income is calculated
1:52 Expense factor in plain English
2:23 Basic docs and time-in-business
3:40 Ways to prove you’re self-employed
4:39 Reserves and choosing the right investor
5:23 Higher DTI up to 55% explained
6:31 Fixed, ARM, 40-year, interest-only options
9:13 Traditional vs bank statement underwriting
10:07 Who this fits and co-mingling income
14:12 Calculator example and next steps

(Titles):
Bank Statement Loans Explained For Self-Employed Borrowers
Denied On Tax Returns? Qualify Using Your Deposits
QM vs Non-QM: How Business Owners Really Get Approved
How To Buy A Home With Bank Statements Only

(hashtags):
#mortgage #NonQM #SelfEmployed #RealEstateInvesting #SEIMortgage

(tags):
self employed mortgage,bank statement loan,non qm mortgage,dscr loan,1099 mortgage options,profit and loss mortgage,qualify without tax returns,ability to repay rule,dti explained,mortgage for entrepreneurs,investment property financing,bank deposits income qualification,interest only mortgage,40 year mortgage option,seimortgage ryan marks

Compliance:
DISCLAIMER - Ryan Marks is a Licensed Mortgage Loan Originator (NMLS #519138) operating under The Turkey Foundation, Inc. (NMLS #236669), an Equal Housing Lender. Ryan conducts mortgage origination under his DBA, The Everyday Lending Group. SEI Mortgage is an educational brand only. It is not a mortgage lender, does not issue pre-approvals or loan estimates, and does not extend credit in any form.
All information provided in this podcast is for educational and informational purposes only.
Nothing in this episode should be interpreted as:
Legal advice
Financial advice
Tax advice
Real estate advice
A commitment to lend
An offer, quote, or guarantee of loan terms
Loan guidelines, program availability, rates, underwriting rules, and qualification methods - especially for Non-QM mortgage programs - can change at any time and may vary by lender, investor, market conditions, and state regulations. Examples given are hypothetical and may not reflect actual terms available to any borrower.
Listeners should independently verify all calculations, assumptions, and program details with qualified professionals. Always consult with a licensed mortgage lender, real estate agent, CPA, financial advisor, or attorney before making decisions related to home financing, investing, or credit.
This podcast is not affiliated with, endorsed by, or acting on behalf of Fannie Mae, Freddie Mac, FHA, VA, HUD, or any government agency.
No government agency has reviewed or approved the content of this recording.
The Turkey Foundation, Inc.
1805 E Garry Ave, Santa Ana, CA 92705
Equal Housing Lender.