Stop Guessing What Lenders Actually Need From You.
If you’re self-employed and trying to do a cash-out refinance in Florida, the standard document list is wrong for you. This checklist is built specifically for bank statement and non-QM programs — the ones that qualify on real cash flow, not your tax return.
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What’s Inside the One-Page Checklist
Most document checklists online are built for W-2 borrowers applying for a conventional loan. If you’re self-employed, half that list doesn’t apply to you — and the documents that do apply are listed wrong. This checklist is different.
Income Documentation
Bank statement requirements (12 vs 24 months), CPA P&L specs, and business ownership proof — organized by lender type.
Property & Mortgage Docs
Current mortgage statement, insurance dec page, tax bill, HOA — everything the title company and underwriter will ask for.
Identity & Credit
What ID is accepted, when your SSN is needed, and how two years of self-employment history is documented properly.
Approval Accelerators
Optional documents that consistently speed up underwriting when included upfront — most borrowers don’t know to bring these.
The Smart Tax Paradox — Explained Inside
Your accountant did their job well — your tax return shows low net income. But conventional lenders use that return to disqualify you. The checklist explains which non-QM programs look at bank deposits instead, and why your actual cash flow is what matters for qualification.
Ready to Go Further Than a Checklist?
Once your documents are together, a free 15-minute consultation gives you exact numbers — how much equity you can access, which program fits, and what your new payment would be.
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