Broker Resource Hub

Wholesale Mortgage Documentation Guides

Plain-English guides on how income, assets, and property cash flow get documented on Non-QM files — written for brokers who need the file to clear underwriting on the first pass.

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Income documentation

8 min readAsset Depletion Mortgage GuideConvert liquid assets into qualifying income: haircuts by account type, the divisor that decides the approval, and the statement package underwriting expects.Read the guide
7 min readWVOE Documentation Guide for W2 IncomeWhen a Written Verification of Employment replaces paystubs and W2s, how income is calculated from it, and how to get the form back clean the first time.Read the guide

Investor / DSCR

6 min readShort-Term Rental Investment AnalysisUnderwriting STR income for DSCR: market data sources, seasonality, expense assumptions, and the ratios that hold up in a credit review.Read the guide

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