Perfect fit for self-employed borrowers who are unable to document income with tax returns.  A&D Mortgage provides flexibility for the borrower that cannot obtain financing with traditional tax returns.  ADM knows borrowers should not miss out on the opportunity of home ownership just because they don’t fit into the box that traditional, out-dated lenders require.


  • 12 or 24 months complete business bank statements from the same account.

  • Can use up to two accounts per business.

  • Borrower must only own at least 25% of the business

  • Business bank accounts, personal bank accounts addressed to a DBA, or personal accounts with evidence of business expenses may be used

  • Expenses are verified using one of the following 3 options: 1 – Take flat 50% expense ratio, 2 – P&L statement prepared by CPA or licensed tax preparer,  3 – A letter written by a CPA or licensed tax preparer stating the borrower’s expense ratio