Self-employed and getting denied by traditional banks? In this episode, Ryan Marks with SEI Mortgage explains the top 5 reasons to consider a bank statement loan in 2026. Learn how business owners, entrepreneurs, 1099 earners, and real estate investors may qualify using bank statements instead of traditional tax returns.

If you are self-employed, own a business, invest in real estate, or have been told no by a traditional bank because your tax returns do not show your real income, a bank statement loan may be worth exploring.

For more tools, resources, and mortgage education, visit www.seimortgage.com
And if you want to talk through whether a bank statement loan could work for your situation, get in touch with me and the SEI Mortgage team today at:

Visit www.seimortgage.com
or call 1-800-401-1363 to learn more.

00:00 — Why banks say no to self-employed borrowers
00:42 — The real problem with tax return income
02:10 — How bank statement loans actually work
04:05 — Personal vs. business bank statements explained
06:20 — Down payments, rates, and loan structure
08:10 — Who this loan is actually for
09:30 — How to check eligibility with SEI Mortgage

#BankStatementLoan
#BankStatementMortgage
#SelfEmployedMortgage
#NonQM
#NonQMLoans
#MortgageTips
#SelfEmployed
#BusinessOwner
#Entrepreneur
#RealEstateInvesting
#MortgageBroker
#HomeLoans
#NoTaxReturnMortgage
#1099Income
#InvestorLoans
#SEIMortgage
#RyanMarks
#MortgageEducation
#HomeBuying
#AlternativeMortgage

SEI Mortgage breaks down the top 10 Non-QM (non-qualified mortgage) loan programs available right now for self-employed borrowers, real estate investors, 1099 earners, and anyone who doesn't fit the traditional big-bank lending box.

If your tax returns don't tell the full story of your real income, this episode is for you. Learn how each program works, who it's built for, and how to use them to qualify based on what you actually earn, not what shows on your adjusted gross.

⏱ TIMESTAMPS

00:00 — Intro: What is a Non-QM loan and who is it for
00:46 — #10: Non-QM Interest-Only loans
01:30 — #9: Foreign National loans
02:16 — #8: Private Money loans
03:00 — #7: Fix and Flip / Hard Money loans
04:01 — #6: Asset Qualifier loans
04:46 — #5: Profit and Loss (P&L) loans
05:45 — #4: 1099 Income loans
07:15 — #2: DSCR (Debt Service Coverage Ratio) loans
09:00 — #1: Bank Statement loans
10:30 — Wrap-up + how to connect

📞 READY TO TALK?

Whether you're buying your first investment property, refinancing, or trying to figure out which Non-QM program fits your situation, we'd love to structure a scenario for you.

👉 Visit https://seimortgage.com (https://seimortgage.com/) to get started
📞 Call us direct at 1-800-401-1363
📩 Or reach out anytime to map out your next move

If you found this episode useful, follow the show so you never miss a new mortgage strategy breakdown. Share it with a friend, business partner, or agent who needs to hear it.

🎥 Watch the full video on YouTube: https://youtu.be/6o-kTWZwp4A
🔔 Subscribe on YouTube: SEI Mortgage - Ryan Marks

#NonQM #MortgageTips #SelfEmployedLoans #DSCR #BankStatementLoan #RealEstateInvesting #1099Loan #FixAndFlip #AssetQualifier #SEIMortgage

You're about to lose your dream home because you haven't sold your current one. But what if there's a way to buy now and sell later?

In this episode, Ryan Marks breaks down exactly how bridge loans work and how homeowners can use them to upgrade without the pressure of selling first.

WHAT IS A BRIDGE LOAN?
A bridge loan is a short-term loan that bridges the gap between selling your current home and buying your new one. It lets you:

HOW BRIDGE LOANS WORK:
The lender calculates your loan based on:

• Value of your current home
• Value of your new home
• Outstanding loan balance on current property
• Maximum loan-to-value (LTV) is typically 75%

KEY QUESTIONS TO ASK:
1. What's my maximum loan amount based on my equity?
2. What are the rates and fees?
3. How long is the bridge period?
4. What happens if my house doesn't sell?
5. Can I get both properties at the same time?

TIMESTAMPS:
0:00 - Hook: You're about to lose your dream home...
0:30 - What is a Bridge Loan? (Definition)
2:15 - How Bridge Loans Work (The Math)
4:00 - Bridge Loan Example: $1M → $2M Property
6:30 - Maximum Loan-to-Value (75% Rule)
8:00 - Who Can Get a Bridge Loan (Not Just Investors)
10:00 - Key Questions to Ask Your Lender
12:00 - When to Use a Bridge Loan (When it Makes Sense)
14:00 - Final Tips & Call to Action

🎯 READY TO EXPLORE BRIDGE FINANCING?
Schedule a free consultation with Ryan Marks to discuss your specific situation and see if a bridge loan is right for you. Visit www.seimortgage.com

Ryan Marks is a mortgage professional specializing in bridge loans, creative financing, and helping homeowners navigate the buying/selling process. NMLS #519138

#BridgeLoan #HomeBuying #RealEstateTips #MortgageAdvice #BuyAHome #DreamHome #Homeowner #FirstTimeHomeBuyer #HowToBuyAHouse #MortgageEducation #HomesForSale #RealEstateAdvice #SeIMortgage

DISCLAIMER — Ryan Marks is a Licensed Mortgage Loan Originator (NMLS #519138) operating under The Turkey Foundation, Inc. (NMLS #236669), an Equal Housing Lender. Ryan conducts mortgage origination under his DBA, The Everyday Lending Group. SEI Mortgage is an educational brand only. It is not a mortgage lender, does not issue pre-approvals or loan estimates, and does not extend credit in any form. All information provided in this podcast is for educational and informational purposes only. Nothing in this episode should be interpreted as legal, financial, tax, or real estate advice, a commitment to lend, or an offer, quote, or guarantee of loan terms. Loan guidelines, program availability, rates, and qualification methods, especially for Non-QM programs — can change at any time.