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For business owners

Mortgages built for how business owners actually earn

Your tax return is engineered to lower your tax bill. Conventional underwriting reads that lowered number and says no. We qualify you on the income evidence that actually exists — deposits, a CPA P&L, 1099s, or assets.

K-1, Schedule C, distributions, write-offs — the language of your business is the language we underwrite in. No translation required.

The self-employed mortgage gap

The better your accountant, the worse your mortgage looks. A conventional lender opens your Schedule C or K-1 and qualifies you on the taxable net — the figure left after every legitimate deduction your CPA worked to claim. For a healthy business with real cash flow, that number can be a fraction of what you actually take home.

Sunrise is a mortgage brokerage built around that gap. We place Non-QM programs that qualify on real income evidence alongside conventional, FHA, and VA loans — so whether your file fits the agency box or needs a deposit-, P&L-, or asset-based path, you don't have to shop it around.

How income-doc programs work

  • We read your deposits, not just your tax return

    Bank statement programs use 12–24 months of business deposits to calculate qualifying income — so the write-offs that lower your tax bill don’t also sink your mortgage.

  • We use the income document you already have

    A CPA-prepared P&L, your 1099s, or your liquid assets can each stand in for tax returns, depending on which is the cleanest read of how you actually earn.

  • We qualify the property when that’s the cleaner path

    For investment property, a DSCR loan qualifies on the rental’s own cash flow — your personal income stays out of it entirely.

Non-QM, in one sentence

Non-QM (non-qualified mortgage) programs use alternative income documentation — bank statements, a CPA P&L, 1099s, or assets — instead of the tax-return standard. The loans are still fully underwritten by licensed professionals; only the way income is documented changes.

Loan programs for business owners

See all SMB-owner loans with full details

Find your situation

Find the program that fits your business

Answer five questions about how you earn and what you're buying. The matcher narrows you to the one to three programs where your file performs best — no credit pull, no tax returns at this stage.

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Program descriptions are general and educational, not offers of specific loan terms. Qualifying requirements, documentation, rates, and availability vary by borrower profile, property type, and state, and are subject to lender approval.

Sunrise Lending · Equal Housing Opportunity. Matching rules are written and reviewed by licensed mortgage professionals. All loan decisions are made by licensed mortgage professionals. Not a commitment to lend. Loan approval subject to underwriting guidelines. This is not financial advice.