# Self-Employed Mortgage Knowledge Base

## Docs

- [1099 Income Calculation](https://cameron.mintlify.app/1099-loans/1099-income-calculation.md): How lenders calculate qualifying income from 1099 forms for mortgage qualification
- [What is a 1099 Loan](https://cameron.mintlify.app/1099-loans/what-is-1099-loan.md): An overview of 1099 mortgage programs for independent contractors and commission-based workers
- [Who Qualifies for a 1099 Loan](https://cameron.mintlify.app/1099-loans/who-qualifies-1099.md): Eligibility requirements for 1099 mortgage programs, including income history, credit, and documentation standards
- [Asset Depletion Calculation Methods](https://cameron.mintlify.app/asset-depletion/calculation-methods.md): How lenders calculate qualifying income from assets, including depletion period variations and hybrid approaches
- [Eligible Assets for Asset Depletion](https://cameron.mintlify.app/asset-depletion/eligible-assets.md): Which assets count toward asset depletion qualification and how lenders value each type
- [Document Formatting Requirements](https://cameron.mintlify.app/documentation/bank-statement-formatting.md): How to prepare and submit bank statements, 1099 forms, P&L statements, and asset statements that meet lender requirements
- [Business License & Formation Documents](https://cameron.mintlify.app/documentation/business-license-formation.md): Documentation required to verify your business and self-employment status across bank statement, 1099, P&L, and asset depletion programs
- [CPA Letters & Profit/Loss Statements](https://cameron.mintlify.app/documentation/cpa-letters-profit-loss.md): How accountant-prepared documents are used across bank statement, 1099, P&L, and asset depletion mortgage programs
- [Required Documents Checklist](https://cameron.mintlify.app/documentation/required-documents-checklist.md): Documents needed for self-employed mortgage applications, including bank statement, 1099, P&L, and asset depletion programs
- [Bank Statement vs Traditional Mortgages](https://cameron.mintlify.app/getting-started/bank-statement-vs-traditional.md): Comparing bank statement loans to conventional mortgages to help you understand the tradeoffs and choose the right option
- [Choosing the Right Loan Type](https://cameron.mintlify.app/getting-started/choosing-the-right-loan-type.md): How to decide between bank statement loans, 1099 loans, P&L loans, and asset depletion loans based on your situation
- [Mortgages for the Self-Employed](https://cameron.mintlify.app/getting-started/self-employed-mortgages-overview.md): An overview of mortgage options available to self-employed borrowers, business owners, and independent contractors
- [What is a Bank Statement Mortgage](https://cameron.mintlify.app/getting-started/what-is-bank-statement-mortgage.md): An overview of bank statement mortgage programs for self-employed borrowers who can't document income through traditional tax returns
- [Who Qualifies for a Self-Employed Mortgage](https://cameron.mintlify.app/getting-started/who-qualifies.md): Understanding eligibility requirements for self-employed borrowers, 1099 contractors, and business owners seeking self-employed mortgages
- [12-Month vs. 24-Month Statement Programs](https://cameron.mintlify.app/income-calculation/12-month-vs-24-month-programs.md): Choosing between 12 and 24 month bank statement programs based on your income history
- [Deposits to Exclude](https://cameron.mintlify.app/income-calculation/deposits-to-exclude.md): Understanding which deposits lenders exclude when calculating bank statement income
- [Expense Factor Explained](https://cameron.mintlify.app/income-calculation/expense-factor-explained.md): How lenders use expense factors to calculate qualifying income from business bank statements
- [Handling Multiple Accounts](https://cameron.mintlify.app/income-calculation/handling-multiple-accounts.md): How lenders calculate income when you have multiple bank accounts
- [How Bank Statement Income is Calculated](https://cameron.mintlify.app/income-calculation/how-income-is-calculated.md): Understanding the methodology lenders use to calculate qualifying income from your bank statements
- [Personal vs. Business Bank Statements](https://cameron.mintlify.app/income-calculation/personal-vs-business-statements.md): Understanding the differences between qualifying with personal or business bank statements and when to use each
- [Asset Depletion Alternatives](https://cameron.mintlify.app/lender-programs/asset-depletion-alternatives.md): Using assets instead of income to qualify for a mortgage
- [Interest-Only Options](https://cameron.mintlify.app/lender-programs/interest-only-options.md): Understanding interest-only payment structures for self-employed mortgages
- [Loan Amount Limits](https://cameron.mintlify.app/lender-programs/loan-amount-limits.md): Understanding minimum and maximum loan amounts for self-employed mortgage programs
- [Program Comparison Overview](https://cameron.mintlify.app/lender-programs/program-comparison-overview.md): Comparing bank statement, 1099, P&L, and asset depletion mortgage programs to find the right fit
- [Rate Factors & Pricing Adjustments](https://cameron.mintlify.app/lender-programs/rate-factors-pricing-adjustments.md): Understanding how lenders price self-employed mortgages and what affects your rate
- [P&L Income Calculation](https://cameron.mintlify.app/pl-loans/pl-income-calculation.md): How lenders calculate qualifying income from CPA-prepared profit and loss statements
- [What is a P&L Loan](https://cameron.mintlify.app/pl-loans/what-is-pl-loan.md): An overview of profit and loss statement mortgage programs for self-employed borrowers
- [Who Qualifies for a P&L Loan](https://cameron.mintlify.app/pl-loans/who-qualifies-pl.md): Eligibility requirements for profit and loss statement mortgage programs
- [Credit Score Requirements](https://cameron.mintlify.app/qualification/credit-score-requirements.md): Understanding minimum credit scores and how your score affects self-employed mortgage program terms
- [Debt-to-Income Ratio](https://cameron.mintlify.app/qualification/debt-to-income-ratio.md): How DTI is calculated for self-employed mortgage programs and what limits apply
- [Down Payment and LTV Guidelines](https://cameron.mintlify.app/qualification/down-payment-ltv-guidelines.md): Understanding down payment requirements and loan-to-value ratios for self-employed mortgage programs
- [Occupancy Requirements](https://cameron.mintlify.app/qualification/occupancy-requirements.md): How property occupancy type affects self-employed mortgage eligibility and terms
- [Property Types Allowed](https://cameron.mintlify.app/qualification/property-types-allowed.md): Understanding which property types qualify for self-employed mortgage programs
- [Reserve Requirements](https://cameron.mintlify.app/qualification/reserve-requirements.md): Understanding how much cash reserves you need for self-employed mortgage programs
- [Glossary](https://cameron.mintlify.app/reference/glossary.md): Key terms and definitions for self-employed mortgage programs
- [Foreign Nationals](https://cameron.mintlify.app/special-scenarios/foreign-nationals.md): Specialty mortgage options for non-US citizens without residency status
- [Investment Properties](https://cameron.mintlify.app/special-scenarios/investment-properties.md): Using self-employed mortgage programs to finance rental and investment real estate
- [Multiple Business Owners](https://cameron.mintlify.app/special-scenarios/multiple-business-owners.md): Qualifying for a self-employed mortgage when you own more than one business
- [Newly Self-Employed Borrowers](https://cameron.mintlify.app/special-scenarios/newly-self-employed.md): Self-employed mortgage options for borrowers with less than two years of self-employment history
- [Seasonal Income Businesses](https://cameron.mintlify.app/special-scenarios/seasonal-income-businesses.md): Qualifying for a self-employed mortgage with fluctuating or seasonal revenue

## OpenAPI Specs

- [openapi](https://cameron.mintlify.app/api-reference/openapi.json)