Non-QM Calculator Suite
Download the calculators used throughout the Non-QM Gold Training to evaluate borrower scenarios, estimate qualifying income, and identify opportunities more quickly.
The difference between a declined loan and a closed loan often comes down to identifying the correct qualification strategy.
These calculators were built to simplify the most common Non-QM income and investor scenarios, allowing you to evaluate opportunities faster and structure files more confidently.
Each calculator is designed to support the same framework used throughout the Non-QM Gold Training.
The calculators will download instantly.
Why These Calculators Matter
Available Calculators
Business Bank Statement Calculator
Determine qualifying income using business deposits, ownership percentage, and expense factor. .
Best For:
Self-employed business owners that show most of their activity in the business statements.
Personal Bank Statement Calculator
Calculate qualifying income using recurring personal deposits.
Best For:
Self-employed borrowers that show consistent deposits or Sole Props that use their personal account for all activity.
Asset Depletion Calculator
Convert assets into qualifying depletion income using lender-approved depletion method.
Best For:
Retirees and asset-rich borrowers. Enter the balances and instantly see the income.
DSCR Calculator
Calculate Debt Service Coverage Ratio using rental income and housing expense. Instantly see how DSCR adjusts.
Best For:
Traditional investors using 30-year Term
Interest-Only DSCR Calculator
Evaluate projected mortgage payments and DSCR for interest only loan option. Instantly see monthly savings vs traditional 30-year loan.
Best For:
Borrowers looking for the lowest payment.
Short-Term Rental DSCR Calculator
Converts daily rent and occupancy % for any rental into monthly rent and shows you the DSCR for the file.
Best For:
Vacation rentals and Airbnb investors.
Quick Reference Guides
Borrower Routing Guide
Which qualification strategy fits best for your borrower?
Deal Killer Checklists
Which items will most likely cause issues with my loan?
Coming Soon
Submission Checklists
What documents do I need to submit for my file?
Coming Soon
Non-QM Coaching Note
These calculators are designed to help identify opportunities and estimate qualification scenarios. Final calculations, eligibility requirements, and program guidelines vary by lender and should always be verified prior to submission.
Not Sure Which Calculator to Use?
The calculator is only one part of the process.
If you'd like help determining the strongest qualification strategy, identifying potential deal killers, or reviewing a live borrower scenario, I'm happy to help.