Understand your documentation options
Answer a few questions about your business and paperwork to see which documentation pathways may be relevant, what to organize, and what to ask a professional. This does not calculate or promise qualifying income — that's handled separately.
Your documentation map appears here.
Answer the questions and generate your map.
Where NonQM Capital stops and Mitig8 begins
This explorer helps you get organized: which documentation methods may fit, what to gather, and what to ask. The detailed self-employed income analysis — Schedule C add-backs, averaging, and qualifying-income scenarios — is handled by Mitig8 AI, and a lender makes the final determination. When you're ready to talk to a professional, Kawsah can connect you.
Common documentation methods
Full-documentation (conventional/FHA) analysis uses tax returns. Bank-statement programs estimate income from deposits. Some programs consider a P&L or work directly from 1099s. Each treats your business write-offs differently, which is why the same borrower can look different under different methods. Read more in the self-employed pathway and bank-statement pathway.
Frequently asked questions
Does this tell me my qualifying income?
No. This explorer organizes documentation topics and questions. Detailed self-employed income analysis is handled separately by Mitig8, and a lender makes the final determination.
What documents should I gather?
It depends on your structure and income type. The explorer lists likely documents to organize, such as tax returns, a year-to-date P&L, and bank statements.