Qualifies self-employed borrowers on 12 to 24 months of business or personal bank deposits instead of tax returns, so legal write-offs no longer cap the loan size. Down payments start at 10% with a 660 credit floor. It is built for business owners whose returns show far less income than they actually earn, and who can show steady deposits that support the payment.

Best for · Self-employed borrowers and business owners with write-offs.