Who we help
Six kinds of business owners. Six income stories. One matcher.
Find your persona, then we’ll narrow you to the right loan path — Non-QM, conventional, FHA, or VA. Every file is reviewed by an NMLS-licensed mortgage professional.
Borrower personas
These six patterns come from real applications, not marketing segments — established operators, growth founders, home-services owners, dual-income households, owner-investors, and 1099 specialists. Each lands on a different combination of documentation, but the underlying question is the same: does your income evidence support the loan you want? Pick the story closest to yours.
Mortgage for an Established SMB Owner
You've run the same business for 8 years.
See if this fitsMortgage for a Startup Founder
You have $1.2M of vested stock.
See if this fitsMortgage for a Home Services Business Owner
Your HVAC company runs at $1.4M in revenue.
See if this fitsMortgage for a Dual-Income Household
One of you is a W-2 hospital nurse practitioner at $145K.
See if this fitsMortgage for a Business Owner Building a Rental Portfolio
You run a successful operating business — a restaurant, a contracting firm, a clinic — and you're using the cash flow to acquire rental property.
See if this fitsMortgage for a 1099 Independent Contractor
You're a top-25% real estate agent in your market.
See if this fitsDon’t see yours?
The matcher takes any income story in five questions. If we can underwrite your file, the result tells you which path fits.
Take the 60-second check-in
Sunrise Lending · Morty, Inc. · NMLS #1429243 · Licensed in Michigan · Equal Housing Opportunity. Matching rules are written and reviewed by licensed mortgage professionals. Loan decisions are made by licensed mortgage professionals. See footer for originator details.
What ties these six paths together
Every persona above resolves to one of a small set of underwriting engines. Bank statement programs read deposits instead of a Schedule C net. DSCR reads a rental property’s own cash flow, independent of your personal income. Asset depletion converts liquid holdings — a brokerage account, a retirement balance — into a monthly income equivalent. 1099 programs read gross contract income before Schedule C deductions reduce it. None of them require you to change how you run your business before you apply. And Non-QM isn’t the only door: plenty of business owners still qualify for conventional, FHA, or VA financing once their income is read correctly — the check-in sorts that out first. For the mechanics behind any of these engines, the guide hub explains bank statement, DSCR, and Non-QM programs in plain terms.
Questions about finding your persona
- What if I fit more than one persona?
- Common, especially for dual-income households where one spouse is a 1099 earner and the other draws a business salary. Pick the story that matches your primary income source, or start the check-in directly — it asks about every income stream, not just one.
- Does choosing a persona change my rate or terms?
- No. The personas are a way to find relevant guidance faster, not a pricing category. Rate and terms depend on your credit profile, the program you qualify for, and the property — the same variables for every applicant regardless of which story led you here.
- I don’t see my situation listed. Am I still eligible?
- Likely. The six stories cover the most common income patterns we see, not every one. The check-in takes any income structure in five questions and tells you whether we can underwrite the file.