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Non-QM Income Analysis

Upload a MISMO 3.4 export to evaluate asset depletion income, bank statement income, and No Ratio eligibility. Restructure dead Agency files into viable Non-QM scenarios.

MISMO 3.4 Import

Extract borrower, asset, liability, and loan data from Encompass or your LOS export.

Asset Depletion Engine

Calculate 36- and 84-month depletion income with eligible asset haircuts by asset type.

No Ratio Screening

Compare total eligible assets against note amount plus reserve requirements.

Upload MISMO 3.4 File
Upload an Encompass or LOS MISMO 3.4 export. We extract borrower, asset, liability, and loan data, optionally enrich it through your conversion API, and populate this Non-QM income worksheet.

Drag and drop a MISMO 3.4 XML file here, or click to browse

Non QM DTI

0.000%

DSCR Ratio

0.000

No Ratio Elig

Pass

Asset Income

0.00

Self Employed

N

Bank Statement Income

0.00

Self Employment - Bank Statement Analysis
IncludeCo. NameOwn %Business TypeMo. DepositsAcct Type# EmployeesProduct-Service SoldExp FactorMo Business Income

Expense Factor Business Bank Accounts: CPA Letter only required for an expense factor < 50%. Personal Bank Accounts: Set Expense Factor at 0%.

Asset Catalog - Asset Depletion and No Ratio Calculations
Asset TypeCash ValueB/CEligible %Eligible AssetsAsset Name - Account Number - Notes
Total Eligible Assets Borrower0.00
Total Eligible Assets Co-Borrower0.00
Total Eligible Assets All Borrowers0.00

Borrower Info

Borrower DOB / Age: —

CoBorrower DOB / Age: —

Asset Depletion Results

Residential Program (36 Mo.)
0.00
Borrower0.00
Co-Borrower0.00
84 Mo. Depletion (Income Only)
0.00

No Ratio Results

Reserves Required0.00
StatusPass

No Ratio Results (required total eligible assets)

0.00

Formula: Note Amount + (PITIA × Reserve Months)

Loan & Income Inputs

Total qualifying income: 0.00 (base + bank statement + asset depletion)