Mitig8 AI
Self-employed income analysis — Schedule C, add-backs, and qualifying-income scenarios — before a lender conversation.
Self-Employed
Self-employed? Your income deserves a closer look.
When you work for yourself, the number on your tax return rarely equals the money you actually make. The path forward depends on how your income is documented — here's how to tell.
Three common paths
Your documentation — not your job title — decides which one fits.
Mitig8
You qualify with tax returns
Most self-employed borrowers can use tax-return income — but write-offs and add-backs change what a lender can actually count. A detailed income analysis is the right first move.
NonQM Capital
Tax returns don't tell the whole story
If your returns understate your real cash flow, alternative documentation — like bank-statement approaches — may fit better. That's the NonQM lane.
Kawsah
You're ready to talk options
Once your income picture is organized, Kawsah connects you to a mortgage conversation about structures that fit your goals.
How the routing works
Self-employed→ How is income documented?→ Tax returns → Mitig8→ Alternative docs → NonQM→ Kawsah mortgage path
NonQM Capital
Bank-statement and other alternative-documentation pathways when tax returns understate your real cash flow.
Important: This points you to an educational pathway based on your answers. It is not a determination that you qualify for any loan, and it is not financial, legal, or tax advice. A lender or qualified professional will need to verify your specific details.