Resources
Plain-English mortgage explainers.
Guides, glossaries, and calculators built for business owners and investors who want to understand mortgage qualification before talking to a lender.
Complete guide
The self-employed mortgage guide
Every option for business owners: bank statement, 1099, P&L, DSCR, and asset depletion. How qualification works, what to prepare, and which program fits your income structure.
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Non-QM mortgages (101)
What Non-QM means, who it serves, why it carries a rate premium, and how it differs from the pre-2008 subprime market.
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How banks evaluate self-employed income
Why conventional banks systematically undercount business-owner income — and how bank statement programs read the real number.
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Mortgage glossary
46 mortgage terms explained in plain language, business-owner framed where relevant: DSCR, PITIA, expense factor, K-1, asset depletion, Non-QM, and more.
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FAQ hub
Common questions from self-employed borrowers and investors answered by Sunrise loan officers.
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Mortgage calculators
DSCR, bank statement income, affordability, refi savings, and equity calculators — built for the way business owners qualify.
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