Bank statement, DSCR, 1099, and asset-based non-QM loans for self-employed buyers and investors in Pennsylvania.
Susan O'Hara, President
East Avenue Mortgage
Phone: (484) 999-0231
Email: [email protected]
NMLS# 2289631
Company NMLS# 2878909
Licensed in: PA
For informational purposes only and does not constitute financial, legal, or tax advice. Rates, terms, and program availability are subject to change without notice. Contact us for details specific to your situation. Susan O'Hara NMLS 2289631. East Avenue Mortgage Co. NMLS 2878909. Equal Housing Opportunity.
Bank statement, DSCR, 1099, and asset-based non-QM loans for self-employed buyers and investors in Pennsylvania.
LOAN PROGRAMS
RESOURCES
Self-employed, 1099, and investor files often stall on tax returns. East Avenue Mortgage shops bank statement, DSCR, 1099, and asset-based programs so you can still close in Pennsylvania.
Qualified mortgages follow Ability-to-Repay rules built around W-2s, tax returns, and strict DTI caps. Non-QM programs still document ability to repay — they just accept different proof, which is how many Pennsylvania business owners and investors actually get to closing.
Send recent statements or a rent roll. We will tell you which program — bank statement, DSCR, 1099, or conventional — is actually available.
Four common non-QM structures — matched to how you actually earn, not how a W-2 file is supposed to look.
Overlays vary by lender. These ranges are a starting point — we will tell you what applies to your file.
Straight answers on bank statement, DSCR, and 1099 financing
We will compare non-QM against conventional so you are not stuck in a program that does not fit how you earn.