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Lendmire Research

Lendmire Research publishes analysis on mortgage markets, loan programs, and home financing trends — produced by Lendmire's editorial team and reviewed by our licensed mortgage professionals.

How Can Self Employed Get A Mortgage?

October 7, 2026August 14, 2026 by Lendmire Research
How Can Self Employed Get A Mortgage?

Full-documentation underwriting reads two years of tax returns and qualifies off net income after deductions.

Categories Bank Statement Loans

How Many Years Do You Have To Be Self Employed To Get A Mortgage?

October 7, 2026August 14, 2026 by Lendmire Research
How Many Years Do You Have To Be Self Employed To Get A Mortgage?

How Many Years Do You Have To Be Self Employed To Get A Mortgage — The Quick Read: There’s no fixed number written into any law.

Categories Bank Statement Loans

Do Mortgage Lenders Use Gross Or Net Income For Self Employed?

October 7, 2026August 14, 2026 by Lendmire Research
Do Mortgage Lenders Use Gross Or Net Income For Self Employed?

Do Mortgage Lenders Use Gross Or Net Income For Self Employed — The Quick Read: It depends on the loan program, not just the lender.

Categories Bank Statement Loans

How To Get A Mortgage When You Are Self Employed

October 6, 2026August 14, 2026 by Lendmire Research
How To Get A Mortgage When You Are Self Employed

How To Get A Mortgage When You Are Self Employed — The Quick Read: Self-employed borrowers qualify for mortgages every day, but the path splits early.

Categories Bank Statement Loans

Best Hard Money Loans

October 7, 2026August 14, 2026 by Lendmire Research
Best Hard Money Loans

This piece walks through how underwriting actually treats these loans, what structures exist, and where the general rules break down.

Categories DSCR Loans, Hard Money Loans, Investment Properties

What Is A Private Money Mortgage?

October 7, 2026August 14, 2026 by Lendmire Research
What Is A Private Money Mortgage?

It is not a bank product.

Categories DSCR Loans, Hard Money Loans, Investment Properties

Best Way To Refinance Rental Property

October 6, 2026August 14, 2026 by Lendmire Research
Best Way To Refinance Rental Property

– DSCR qualification runs on the property’s rent-to-payment ratio, not the owner’s personal income or debt-to-income ratio.

Categories DSCR Loans, Investment Properties, Refinance Strategies

How Does Private Money Lending Work?

October 6, 2026August 14, 2026 by Lendmire Research
How Does Private Money Lending Work?

The lender looks mainly at the property’s value and the deal’s math, not the borrower’s W-2 or personal debt-to-income ratio.

Categories DSCR Loans, Hard Money Loans, Investment Properties

No Tax Return Home Equity Loan Of Credit

October 7, 2026August 14, 2026 by Lendmire Research
No Tax Return Home Equity Loan Of Credit

Which one you get depends on occupancy, title, and whether the property produces rent at all.

Categories DSCR Loans, HELOC, Investment Properties

How Do No Tax Return HELOCs Work For Self-employed Borrowers?

October 7, 2026August 14, 2026 by Lendmire Research
How Do No Tax Return HELOCs Work For Self-employed Borrowers?

It’s not a separate legal product, just a documentation path layered onto the same revolving home equity line.

Categories Bank Statement Loans, HELOC

Do Underwriters Verify Bank Statements Business Loans?

October 6, 2026August 14, 2026 by Lendmire Research
Do Underwriters Verify Bank Statements Business Loans?

Do Underwriters Verify Bank Statements Business Loans — The Quick Read: Yes, almost always — but the reason changes with the loan type.

Categories Bank Statement Loans

Amortize For Refinance Before Rental Property

October 6, 2026August 14, 2026 by Lendmire Research
Amortize For Refinance Before Rental Property

Conventional lenders lean on specific title and payment-history tests.

Categories DSCR Loans, Investment Properties, Refinance Strategies

What’s A Hard Money Loan?

October 7, 2026August 14, 2026 by Lendmire Research
What's A Hard Money Loan?

It’s a business-purpose loan built around the deal, not the borrower’s paycheck.

Categories DSCR Loans, Hard Money Loans, Investment Properties

Can A Bank Refinance An Investment Property?

October 7, 2026August 14, 2026 by Lendmire Research
Can A Bank Refinance An Investment Property?

Can A Bank Refinance An Investment Property — The Quick Read: Yes.

Categories DSCR Loans, Investment Properties, Refinance Strategies

Foreign Bank Statements Ok For Proving Earnings For Mortgage Loan?

October 7, 2026August 14, 2026 by Lendmire Research
Foreign Bank Statements Ok For Proving Earnings For Mortgage Loan?

Foreign Bank Statements Ok for Proving Earnings for Mortgage Loan?

Categories Bank Statement Loans
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