Income Worksheets
Multi-tab Excel workbook (“Powered by Maxwell”) for qualifying borrower income on MAXEX Non-QM and DSCR loans. Includes worksheets for Personal Bank Statement income (12/24-month), Business Bank Statement income, Asset Depletion, and Debt-Service Coverage Ratio calculation, plus a DSCR Requirements reference tab summarizing minimum FICO, DSCR calculation methodology, restrictions, asset rules, and income/employment criteria. A Lists tab feeds program/term/transaction-type dropdowns (12/24 Month, P&L, Expense Factor, 30YR Fixed, 5/1, 7/1, 10/1, IO variants, Purchase, No Cash Out, Cash Out).
Non-QM Select 5 Program Guide
Premium program combining Non-QM (1- and 2-yr full doc, personal/business bank statements, 1099, P&L, asset depletion) and DSCR underwriting. Two rate sheets: Non-QM Select 5 and DSCR Select 5. Effective for locks on or after Mar 16, 2026.
Non-QM Program Guide
Full-doc and alternative-doc Non-QM underwriting — personal and business bank statements, third-party P&L, 1099 statements, and written VOE. Four rate sheets (Non-QM 1, 2, 13, 15). Effective for locks on or after Feb 9, 2026.
