Products · Non-QM income documentation
12 Months CPA P&L / WVOE, 1 Yr/2 Yrs Full Doc
The same structure with a licensed preparer signing the statement, which is what buys the better price and the higher LTV. A CPA, EA or licensed tax preparer works.
The full-doc variants sit here too — one year of returns where two would normally be required, or two years where the file needs the history to make sense.
Program highlights
Figures are the programme maximum at a glance. A file rarely qualifies at the maximum on two axes at once, and the guideline in force on the lock date governs. Nothing here is a commitment to lend.
Questions
No. A CPA, an enrolled agent, or a licensed tax preparer all qualify. What matters is that someone licensed prepared and signed the statement.
Yes, where a borrower has both wage and self-employed income. Each source is documented on its own terms and the qualifying income is the total.
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