Non-QM Programs for when your loan doesn’t quite fit inside the box. In some cases, a borrower’s tax returns don’t tell the whole story. This program was designed specifically for borrowers who are self- employed, or that work in the Service and Tip industry. The borrower’s income is derived using the most recent 12 or 24 months of personal and/or business bank statements. There are 4 different options to calculate the borrower’s net qualifying income to make qualifying easy!