7 Proven Stated Income Mortgage Alternatives for Self-Employed Borrowers in 2026
Traditional mortgage underwriting often fails self-employed borrowers whose tax returns understate their real income. This article breaks down seven fully compliant stated income mortgage alternatives — including bank statement loans, asset depletion, and 1099 programs — that give self-employed borrowers a legitimate path to homeownership in 2026.
FHA House Hacking: How to Meet Mortgage Requirements for Investment Property Using an FHA Loan
FHA house hacking is a HUD-approved strategy that lets buyers meet mortgage for investment property requirements using an FHA loan — just 3.5% down on a 2-4 unit property, live in one unit, and use rental income from the others to offset the mortgage. This guide covers owner-occupancy rules, rental income qualification, and 2026 FHA loan limits for multi-unit properties.
How to Refinance an FHA Loan the Smart Way
Learn how to refinance an FHA loan with Streamline and cash-out options, MIP math, eligibility rules, and timing advice from an FHA broker nationwide.