Bank statements
Your business deposits over 12 or 24 months show the income.
Read about bank statement loansC2 Financial Corp · DRE #01821025 · NMLS #135622C2 Financial Corporation · California DRE Broker #01821025 · NMLS #135622
Jumbo Non-QM lending · California only
Complex income,jumbo balance.There is a way to document it.
A Non-QM loan qualifies you on deposits, assets, or property rent instead of tax returns. Answer a few short questions to see which documentation path fits your scenario.
See which path fits
No credit pull. No application.
Non-QM specialist
Direct access to alternative documentation programs.
Scenario check
A few quick questions. One at a time.
No figures. No credit pull. Contact details only at the end.
Step 1 of 6
What are you trying to finance?
Easy one first — everything else follows from it.
- C2 Financial CorporationNMLS #135622
- Dino Palmieri · Loan OfficerNMLS #1121689 · CA DRE #01517431
- California DRE Broker#01821025 (company)
- Equal Housing OpportunityCalifornia only
- NMLS Consumer AccessVerify these licenses
- Educational scenario navigatorNot a pre-qualification
- No SSN or date of birthNot requested in this navigator
- No credit pullNone occurs in this navigator
Three ways to document income
How your income can be shown
Non-QM is a documentation question, not a credit-quality question. Most files run on one of these three.
Property rent
A rental is measured by the rent it brings in, not your tax returns.
Explore DSCR rental documentationAssets you hold
Documented liquid holdings can stand in for monthly income.
See jumbo Non-QM asset documentationWant the full explanation, stage by stage? See how it works.
See how the calculation works
The bank statement calculator
Move the slider
$20,000$5,000$50,000
Want your real numbers, not example ones?
Have Dino run your scenarioProgram requirements vary by lender, property type, and occupancy. Examples are illustrations of method, not client scenarios.
Talk it through
Review your scenario with Dino
A short conversation with Dino Palmieri, Loan Officer. You describe the situation, he names the documentation paths that could fit. No application is submitted here, no credit is pulled, and no documents are needed to talk.