Self-Employed Borrowers
Bank Statement Loan Calculator
Business owners rejected on tax-return income are searching for this answer; included on the Brokerage plan.
Qualifying Income
Qualifying income calculators that sort self-employed leads before the first call
Self-employed borrowers want to know one thing first: what income will count. Answer it, and they will send you the statements.
Free plan, no card. Paid plans include a 14-day trial.
Key takeaways
- Qualifying income is often lower than what a business owner thinks they earn; these tools show why.
- The leads arrive with net profit, add-backs, deposits and expense factor, enough to pick a program path.
- The Qualifying Income tools are included with the Brokerage plan.
The Qualifying Income group estimates the income a lender may count when a borrower's tax returns do not tell the whole story. It covers the two-year self-employed average with add-backs and the bank statement method with an expense factor. Brokers use it to see, before asking for documents, which path a business owner fits.
Self-Employed Borrowers
Self-Employed Income Calculator
Self-employed borrowers rarely know their qualifying income; the ones who calculate it first make far better leads. Available on Brokerage.
Which qualifying income calculator answers which question?
One section, two methods. Most brokers embed both and let the borrower pick.
| Calculator | Borrower question it answers | Where an LO should embed it |
|---|---|---|
| Self-Employed Income | What will a lender count from my last two tax returns? | Self-employed page, CPA referral page, business-owner email campaigns |
| Bank Statement Loan | My returns show low income. What could my deposits support? | Non-QM and bank-statement landing pages, paid search for bank statement loans |
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Why do self-employed borrowers need income calculators before a payment calculator?
Because their problem is not the payment; it is proving the income. A W-2 buyer can run an affordability calculator with a salary they know. A business owner's qualifying income depends on net profit after deductions, averaged over two years, plus non-cash add-backs like depreciation. Many are surprised how low that number is.
Show them the number first, then show the alternative. If the tax-return route falls short, the bank statement method may support more. Either way the lead lands with the figures you would ask for on the first call, and you know which conversation to have.
Guidelines vary by lender and program
These calculators use common methods, not any one investor's guidelines. Expense factors, add-backs and trend rules differ, and non-QM programs carry their own pricing. Present results as estimates and confirm against the program you would actually use.
FAQ · 6 questions
Questions loan officers ask
What is qualifying income for a self-employed borrower?
It is the income a lender is willing to count, usually a two-year average of net profit from tax returns with certain non-cash expenses such as depreciation added back. If income is falling, lenders often use the lower recent year.
When should a broker point someone to the bank statement calculator instead?
When the borrower's tax returns show much less income than the business really generates. The bank statement method uses average deposits minus an expense factor, which can support a larger loan, usually through non-QM programs at higher cost.
Which plan includes the qualifying income calculators?
The Brokerage plan. See the pricing page for what each plan includes and the current trial.
What does a qualifying income lead look like?
It arrives with the borrower's contact details, consent and every input and result, such as two years of net profit, add-backs, average deposits, expense factor and the estimated qualifying monthly income, plus the page and traffic source.
Can I use these calculators in a CPA or bookkeeper referral program?
Yes. A direct link or a page on your site gives referral partners something useful to send clients. Keep referral arrangements compliant; check with your compliance team about anything of value exchanged.
Do these calculators replace a full income analysis?
No. They are estimates from what the borrower enters. You will still review returns or statements against the guidelines of the program you place the loan with.
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