Category
Self-employed
Bank statement, P&L and asset-based qualifying for Montana business owners.
Articles
Self-employed
Per Diem, Overtime and the Bakken: Why Your Qualifying Income Is Smaller Than Your Deposits
In a rig-count economy, the income you live on and the income a lender can use are two different numbers. Here is the gap, and how to narrow it.
8 min read · Last reviewed September 2026
Self-employed
Self-Employed, Ranch and Seasonal Income: How Montana Underwriters Actually Average It
Depreciation, write-offs and retained earnings all work against you on paper. Here is how the qualifying number is built, and what to do when it comes up short.
9 min read · Last reviewed September 2026