Bank Statement & Non-QM Loans
If you run your own business in Indiana, the mortgage system can feel rigged against you. You earn a strong income, stay booked, and manage your cash flow well. Then underwriting looks at one number, your taxable income after write-offs, and calls it too low. It feels unfair because it is. The deductions that are smart tax planning are the same ones a traditional lender holds against you, and a good year on paper can still produce a denial.
Non-QM lending exists to fix exactly that. “Non-QM” simply means a loan that falls outside the narrow Qualified Mortgage box the big banks live in. These are not risky workarounds or last resorts. They are real, well-established loan programs built to qualify you on the income you actually earn, not the shrunken number left after deductions. The difference between an approval and a decline is usually whoever structures the file, and Tevis Durbin has spent more than 26 years structuring these files for Indiana borrowers who got a no somewhere else.
The programs the Durbin Team uses most
Bank Statement Loans
We use 12 to 24 months of business or personal deposits to verify income instead of tax returns. Built for self-employed buyers whose returns understate what they really make. Often a gateway: get in now, refinance into a lower-rate agency loan later once the numbers line up.
1099 Income Program
Qualifies on your gross 1099 income before deductions. If you earn $80,000 on 1099s, we work from that number, not the smaller figure left after write-offs. Built for contractors, commission earners, and independent professionals.
DSCR Loans (Investors)
The rental property’s own income carries the approval, not your personal tax returns. This is how out-of-state investors scale into Indianapolis, Fort Wayne, and Lafayette rentals without the W-2 paperwork grind. Full detail on the DSCR loans page.
Asset-Based & Alternative Doc
For borrowers with complex or nontraditional income, qualification can lean on assets and alternative documentation. We match the program to how your money actually works instead of forcing your file through the wrong guidelines.
Why borrowers bring these to the Durbin Team
Plenty of lenders say they “do” non-QM. Far fewer know how to structure it so it actually closes. Tevis Durbin (NMLS #424899) holds an MBA in Finance, is a Certified Mortgage Advisor, and has spent over 26 years on exactly these files. When a self-employed buyer or an investor walks in with a denial from somewhere else, this is the conversation that turns it around. The team runs the program comparison, pulls the right documentation, and tells you plainly which path fits your situation and which does not.
Who this page is for
- Self-employed Indiana buyers whose tax returns understate their real income
- 1099 contractors and commission earners told their qualifying income is too low
- Real estate investors growing a rental portfolio across Indiana
- Business owners with strong assets but nontraditional income documentation
- Anyone who received a conventional denial and wants a second look from a specialist
Read deeper from the Durbin Team library
- Bank Statement Loans 2025: A Self-Employed Buyer’s Guide
- How Your 1099 Gross Income Can Qualify for an Indiana Mortgage
- DSCR Loans 101 for Indiana Investors
- Bank-Statement Loans for Self-Employed Buyers in Indiana
- What Indiana Investors Get Wrong About LLC and DSCR Financing
If your income does not fit a standard W-2 box, that is not a problem to hide from a lender. It is the reason to call one who builds his practice around it. Reach out to the Durbin Team in Fishers and get a straight answer on what you qualify for. NMLS #424899.