Same buyer. Same income. Two very different approvals.
What a buyer qualifies for isn't a fixed number — it's a number that changes depending on which lender reads the file. This class walks through the programs that move it, so you stop losing deals you could have written.
For licensed real estate professionals only.
Self-employed and complicated files are what we do all day. When a buyer's tax return doesn't tell the whole story, there is usually still a way — and knowing it is the difference between a dead lead and a firm offer.
Grab your free spot
Six ways a buyer can qualify for more than the first lender said
Every one of these is a real program with real rules. We'll go through who each one fits, what it takes to document, and — just as important — when it doesn't work. The specific lenders and their current guidelines are named live on the class.
Stated income for the self-employed
Insured programs that let a business owner qualify on what the business actually earns, instead of the write-down on their Notice of Assessment. Two years in business is usually the gate.
The basement suite that doesn't exist yet
Purchase Plus Improvements with a lender that will consider projected rent from a suite being built after closing. The reno money comes in at purchase — and the future rent can help carry the mortgage.
Bank-statement income
Alternative lenders who read twelve months of deposits and a declaration of income instead of tax returns. This also covers buyers with no registered business and gig or rideshare income.
Money sitting in the corporation
For incorporated buyers: a bank program that uses the operating company's after-tax net income to bring the debt-service ratio down. Strict ownership and shareholder rules — we'll cover exactly what they are.
Grossing up business income
How a lender can gross up business, professional or commission income — how far they'll go, what credit score it costs, and the one rule that trips people up: gross-up or add-backs, never both.
Debts the business pays
The vehicle loan running through the business account: when it counts against your buyer as a personal liability and when it's treated as a business expense. Getting this wrong quietly kills approvals.
If you've ever had a buyer walk away because "the bank said no"
Bring a live scenario and we'll work it on the call
Have a buyer sitting in limbo right now? Bring the numbers. We'll run through which door fits on the class, anonymously, so everyone learns from a real file instead of a made-up one.
"Agents lose deals they never needed to lose. The buyer wasn't unqualified — they were sent to one lender whose rulebook didn't fit them. This class is the map I wish every agent I work with already had."
Quick answers before you register
Stop losing buyers to the wrong lender.
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