Maximize Income with Blended Income Sources

At North Star Mortgage Network, we understand that every borrower has a unique financial situation. That’s why we specialize in blending multiple income sources to determine the highest and best income for your customers. Our exception-based approach ensures that you can qualify more clients, close more deals, and grow your business.

How Blended Income Sources Can Help You Qualify More Borrowers

Our customized loan solutions take into account a variety of income sources, including:

• W2 Income – Traditional employment verification.
• 1099 Income – Self-employed and contract workers.
• Bank Statements (12 or 24 months) – Personal or business accounts accepted.
• CPA Letter – Income verification from an accredited CPA.
• Business Income – Entrepreneurial earnings included.
• DSCR (Debt-Service Coverage Ratio) Income – Rental property income with flexible requirements.

Flexible Lending with Multiple Income Sources

We go beyond conventional lending standards by accepting 39 different income types and offering solutions for complex income structures. Our goal is to make financing accessible for more borrowers by accommodating:

• DTI Above 50% – We make exceptions for higher debt-to-income ratios.
• DSCR Below 1.1 – Income qualifiers available for investment properties.
• Personal & Business Bank Statements – Use a combination of both for qualification.
• Mixed Income Acceptable – Maximize your DTI and borrowing power.
• Complex Income Simplified – We analyze every scenario to find a solution.
• Cannabis Income Acceptable – A growing industry with financing opportunities.
• Foreign Income Acceptable – International borrowers welcome.
• Venmo & Cash App Transactions Considered – Alternative income sources count.

Customized Lending Solutions for Every Borrower

At North Star Mortgage Network, we take a customized approach to every loan application. We don’t just look at traditional income – we evaluate every possible income source to help your clients qualify for the financing they need.

Our exception-based lending gives you an edge over competitors by providing flexible, tailored mortgage solutions for borrowers who may not fit the standard mold. Whether your client is self-employed, a business owner, or earns income from multiple sources, we can make it work.

Let’s Get Started!

If you’re ready to capture more business and help more clients achieve homeownership or investment success, contact North Star Mortgage Network today. Let’s build the right financing strategy together!

Call us now to discuss your client’s income scenario!

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