NMLS#: 2653540 (Company) · 513013 (Adam Styer)
Non-QM mortgage options for Austin borrowers with bank statement income, 1099 income, K-1 income, P&L documentation, or significant assets.
What Non-QM means for Austin self-employed borrowers
Non-QM is not a catch-all for risky lending. For strong self-employed borrowers, it often means the income documentation is different: bank statements, 1099s, CPA-prepared P&L, asset depletion, or DSCR for investor properties. The goal is to document real ability to repay when agency tax-return math misses it.
How Adam chooses the path
Adam compares which document set creates the cleanest qualifying income and the best trade-off between rate, down payment, reserves, and documentation. Sometimes conventional still wins. Sometimes bank statement, 1099, P&L, or asset-based underwriting is the more realistic path.
Austin positioning
Austin has a high concentration of founders, consultants, agents, creatives, physicians, attorneys, and investors. That makes complex income common, not unusual. The site can speak to the hard files while still making clear that standard conventional, FHA, VA, and jumbo loans are handled well too.
Who this page is for
- Austin business owners with write-offs
- 1099 earners, consultants, founders, and partners
- Borrowers declined by banks because taxable income was too low
For the broader program details, start with the Non-QM loan guide. This page narrows that guidance to non-QM loans self-employed Austin searches and Austin/Central Texas borrower scenarios.
Common Questions
No. Non-QM simply means the loan does not fit the standard Qualified Mortgage box. Many Non-QM borrowers have strong credit, strong assets, and strong cash flow, but use documentation other than traditional W-2 or tax-return income.
Common paths include bank statement loans, 1099-only programs, CPA-prepared P&L programs, asset depletion, DSCR for investment properties, and select jumbo or no-ratio structures.
Usually Non-QM pricing is higher than comparable conventional pricing. The trade-off may be worth it when conventional underwriting cannot recognize the borrower's actual cash flow. Adam compares both when possible.
Yes. Start with a scenario review: income type, down payment, credit range, target price, and which documents tell the cleanest story.
Related Complex-Income Pages
Talk Through My Options
Tell Adam what you are trying to buy, how income is documented, and where the bank got stuck. He will map the realistic paths before you commit to a full application.
Talk Through My OptionsBook a 15-Minute CallOr call (512) 956-6010 — NMLS #513013