LOAN PROGRAMS

Your Income Is Unique. Your Mortgage Should Be Too.

Whether you file a traditional return, operate a business, or invest in real estate, there's a loan program designed for your specific situation. Jared's CPA background means he can match you to the right program — and explain exactly why.

Built for Self-Employed Borrowers

When Your Tax Return Doesn't Tell the Whole Story

VERIFIED CPA STRATEGY

Bank Statement Loans

Who it's for: Business owners and self-employed borrowers with strong cash flow but significant write-offs.
How it works: Qualify using 12 or 24 months of personal or business bank deposits — no tax returns required. Your actual cash flow is what matters, not what the IRS sees.
Key benefit: Bypass the write-off problem entirely.

Ask About Bank Statement Loans

VERIFIED CPA STRATEGY

1099 Loans

Who it's for: Independent contractors, freelancers, gig workers, and commission-based earners.
How it works: Use your 1099 income forms to qualify instead of tax returns. Perfect for contractors who've been told they don't earn 'enough' by lenders who don't understand their income type.
Key benefit: Your contract income actually works for you.

Ask About 1099 Loans

VERIFIED CPA STRATEGY

DSCR Loans

Who it's for: Real estate investors purchasing rental properties in Nevada, Utah, or Alaska.
How it works: Qualify based on the property's rental income relative to its debt payments — not your personal income.
Key benefit: Your property qualifies itself.

Ask About DSCR Loans

TRADITIONAL LOAN PROGRAMS

Full Suite of Standard Mortgage Options

For borrowers with traditional W-2 income, Jared offers the full range of conventional mortgage products — with the same expert guidance.

Conventional Loans

Best for: Borrowers with strong credit and verifiable income.

Key features:

Competitive rates
Down payments as low as 3%
No upfront MI with 20% down

FHA Loans

Best for: First-time homebuyers and borrowers with lower credit scores.

Key features:

Down payments as low as 3.5%
Flexible qualification standards
Government-backed security

VA Loans

Best for: Veterans, active-duty military, and eligible surviving spouses.

Key features:

No down payment required
No private mortgage insurance
Competitive interest rates
Lifetime benefit

USDA Loans

Best for: Buyers purchasing in eligible rural and suburban areas.

Key features:

No down payment option
Low mortgage insurance
Government-backed

Not Sure Which Program Fits Your Situation?

With a CPA background and experience across every major loan program, Jared doesn't just originate loans - he engineers the right solution for each borrower's specific financial picture. A 20-minute call is all it takes to know exactly where you stand.

No obligation. No pressure. Just clarity.

Program Questions, Answered

Navigating technical hurdles and multi-state licensing requirements doesn't have to be overwhelming. As a dual-licensed CPA and Mortgage Strategist serving Nevada, Utah, and Alaska, Jared brings a unique level of regional expertise and financial engineering to every file. Review our most common program inquiries below, or connect directly to review your specific situation.

What documents do I need for a bank statement loan?

Typically, 12-24 months of personal or business bank statements, a CPA letter verifying self-employment (which Jared can assist with), and standard identification documents. Tax returns are not required for bank statement loans.

Can I get a bank statement loan in Nevada or Utah?

Yes. Jared Carlisle originates bank statement loans in Nevada (License #81113) and Utah (License #6772871), as well as Alaska (License #AKMLO-1931543).

What credit score do I need for a non-QM loan like a bank statement loan?

Requirements vary by product and lender, but most bank statement loan programs require a minimum credit score in the 620-680 range. Jared will review your full profile during your strategy call and identify which programs you qualify for.

How is a DSCR loan different from a conventional investment property loan?

A conventional investment property loan typically requires you to qualify based on your personal income. A DSCR loan qualifies you based on the subject property's rental income — making it ideal for investors with multiple properties or complex income that doesn't look great on paper.

Can I use a 1099 loan if I also have some W-2 income?

Yes, in many cases both income streams can be combined. Jared will review your complete income picture and find the most favorable way to structure your application.

Do you offer jumbo loans for self-employed borrowers?

Yes. Non-QM jumbo options are available for self-employed borrowers with higher loan amounts. Reach out for a strategy call to discuss specific qualifications.