Self-Employed Borrowers
Bank Statement Loan Calculator
Business owners rejected on tax-return income are searching for this answer; included on the Brokerage plan.
Self-Employed Borrowers
Self-employed mortgage calculators for business owners and 1099 earners
Give a business owner both answers on one page: what their tax returns support, and what their deposits might.
Free plan, no card. Paid plans include a 14-day trial.
The Self-Employed Borrowers section pairs two calculators: one estimates qualifying income from two years of net profit plus add-backs, the other estimates qualifying income from bank deposits minus an expense factor and the payment it could support. Brokers embed both on self-employed landing pages so business owners can compare paths before sharing documents.
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.
Where should the self-employed calculators go?
Both belong on pages written for business owners, in paid search and in referral partner material.
| Calculator | Borrower question it answers | Where an LO should embed it |
|---|---|---|
| Self-Employed Income | What monthly income will a lender count from my Schedule C or K-1? | Self-employed landing page, "mortgages for business owners" ads, CPA referral page |
| Bank Statement Loan | If my returns are too low, what could my deposits qualify me for? | Bank statement loan page, non-QM campaigns, follow-up to full-doc leads that fell short |
How should a self-employed funnel flow?
Start with the documents they have, then offer the alternative.
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Tax-return income
The self-employed income calculator averages two years of net profit with add-backs and shows the trend.
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Deposit-based income
The bank statement loan calculator estimates income from deposits and shows the payment and housing ratio.
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Talk to a broker
The borrower submits with both figures, and you choose which program path to price.
These are estimates of common methods
Add-backs, expense factors and how a declining trend is treated differ by program and lender. Bank statement programs are usually non-QM with their own pricing and reserve requirements. Confirm against the program you would actually use.
FAQ · 6 questions
Questions loan officers ask
Why do self-employed borrowers often qualify for less than they expect?
Because lenders usually count net profit after business deductions, averaged over two years. Deductions that lower taxes also lower qualifying income, although non-cash items like depreciation can be added back.
What is an expense factor on a bank statement loan?
It is the share of business deposits a lender treats as expenses. Qualifying income is what remains. It may be a set percentage or based on a letter from the borrower's tax preparer.
Should I show both calculators or only one?
Both. Many business owners do not know which path fits. Seeing both numbers side by side starts a better conversation, and the lead tells you which one they favored.
What does the income trend result tell me?
Whether net profit rose or fell between the two years. A declining trend may mean a lender uses the lower year, which affects how you approach the file.
Do I need a specific plan to use these calculators?
Yes. The Qualifying Income tools are included with the Brokerage plan. See pricing for details.
Can I send self-employed leads to a separate pipeline?
Yes. With per-calculator webhooks you can route them to a non-QM workflow in HighLevel, Zapier or Make, with every input and result included.
PrequalFunnel
Your next borrower is already on your site.
Give them the numbers they came for, and get the lead with those numbers attached.
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