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Plain-English guides for self-employed and business-owner borrowers — how complex income actually qualifies for a mortgage.
How Is Bank Statement Mortgage Income Calculated? | Sunrise Lending
Denied for self-employed income? Here's exactly how a bank statement mortgage turns 12–24 months of deposits into qualifying income — and when a CPA letter raises it.
Read →12- vs 24-Month Bank Statement Loans | Sunrise Loans
12- or 24-month bank statement loan? 24 months smooths seasonal income and is the common standard; 12 months suits steady or recently grown businesses. Here's how to choose.
Read →Bank Statement Loan Requirements (2026) | Sunrise Loans
Bank statement loan requirements in 2026: 12–24 months of business statements, mid-600s+ credit, ~2 years self-employed, a larger down payment, and no tax returns.
Read →Bank Statement Loans for LLC & S-Corp Owners | Sunrise Loans
LLC and S-corp owners: a bank statement loan qualifies you on business deposits, not your low W-2 salary or distribution-shrunk net. Here's how it works by entity type.
Read →Why Your Tax Return Understates Your Income | Sunrise Loans
If you're self-employed, your tax return is built to minimize taxable income — which is exactly why a mortgage lender thinks you earn less than you do. Here's the fix.
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