# SEI Mortgage ## Posts - [Bonus Depreciation Explained for Real Estate Investors, 2025 to 2026 Guide](https://seimortgage.com/bonus-depreciation-explained-for-real-estate-investors-2025-to-2026-guide/): Reducing your tax bill is one of the most satisfying wins in real estate investing. Whether it comes from mileage write offs, marketing costs, or operating expenses, every dollar saved improves cash flow. One of the most powerful tax tools available to real estate investors is bonus depreciation, and as of 2025 and moving into 2026, it just became even more valuable. With permanent 100 percent bonus depreciation restored, investors now have the opportunity to significantly reduce taxable income in the year they buy or improve a property, while using strategic mortgage and non QM financing to scale faster. Let’s […] - [Why an ADU Could Be Your Next Best Investment](https://seimortgage.com/building-an-adu-how-to-finance-it/): Why an ADU Could Be Your Next Best Investment Accessory Dwelling Units (ADUs) are becoming a powerful way to monetize your property whether you own a home or an investment property already. An ADU provides additional living space that can be rented out or used for family members, increasing your cash flow and property value. But before you dive in, you need to know: What kind of ADU you’re actually buying Local zoning and building rules Cost of utilities, site work, and structural design How to finance the build without losing your favorable primary mortgage Let’s break it down in […] - [What are Non QM Loans, Flexible Mortgage Options for Nontraditional Borrowers in 2025](https://seimortgage.com/what-are-non-qm-loans-flexible-mortgage-options-for-nontraditional-borrowers-in-2025/): What Are Non QM Loans? When you are creditworthy yet do not check all the boxes for a traditional mortgage, a non QM (non-qualified mortgage) offers a path forward, though it often comes with trade-offs. Unlike standard qualified mortgages, non QM programs allow lenders to approve borrowers who cannot use conventional income proof methods. Because they carry higher risk, these loans tend to demand higher rates and stricter terms. Many borrowers end up in this space simply because they lack W-2s or regular pay stubs. Whether you’re self-employed, a retiree, or an investor relying on rental income, non QM loans open doors that conventional […] - [How to Handle a Shared Home and Mortgage During Divorce ](https://seimortgage.com/how-to-handle-a-shared-home-and-mortgage-during-divorce/): Divorce is never easy, and when a home and mortgage are involved, emotions mix with large financial decisions. In 2025, nearly half of all marriages end in separation. For many couples, the family home is their largest shared asset. If you carry a mortgage (as around 60% of U.S. homeowners do), you’ll need a solid plan for what happens next. Below, we walk through five common paths to address a shared mortgage during divorce. You’ll also find tax tips, credit considerations, and guidance on what to do if your ex won’t cooperate. What Happens to a Shared Mortgage in Divorce […] - [What Is a Bridge Loan, and How Does It Work? | Mortgage & Real Estate Guide 2025](https://seimortgage.com/what-is-a-bridge-loan-and-how-does-it-work-mortgage-real-estate-guide-2025/): Moving between homes can be stressful, especially when you haven’t sold your current one yet. That’s where a bridge loan can make all the difference. But like any tool, it comes with its risks and limitations. Let’s break down what a bridge loan is, how it works, and whether it could be a smart move for your next mortgage venture. Bridge Loans in a Nutshell A bridge loan lets you finance a new home before your existing home sells. In a competitive market, this gives you the edge of making an offer without needing your old home’s sale first. But […] ## Pages - [Scope of Work Tool Calculator](https://seimortgage.com/scope-of-work-tool-calculator/) - [Rental Cashflow Calculator](https://seimortgage.com/rental-cashflow-calculator/) - [Bank Statement Calculator](https://seimortgage.com/bank-statement-calculator/) - [Self-Employed and Investor Solutions](https://seimortgage.com/self-employed-investor-mortgage-solutions/) - [Bridge Loans](https://seimortgage.com/bridge-loans/): Bridge Loans: Flexible Financing Between Homes The real estate market moves quickly, and timing is often the difference between landing your dream property or losing it to another buyer. Bridge Loans give you the flexibility to purchase a new home before your current one sells. By tapping into the equity of your existing property, these short-term loans help you move forward without waiting. For investors, homebuyers, and anyone navigating a tight timeline, Bridge Loans provide speed and confidence when traditional financing is too slow or restrictive. Call Today! 800-401-1363 Explore My Options What is a Bridge Loan? A Bridge Loan […] - [Bank Statement HELOC](https://seimortgage.com/bank-statement-heloc/): Access Your Equity with a Bank Statement HELOC For many self-employed borrowers and investors, traditional lenders make it difficult to access home equity because tax returns often understate true income. A Bank Statement HELOC (Home Equity Line of Credit) changes that. Instead of requiring W-2s or tax returns, you can qualify using your bank deposits, giving you the flexibility to unlock equity in a way that reflects your real cash flow. This option is ideal if you want ongoing access to funds for business expansion, real estate investments, debt consolidation, or personal expenses — all without the rigid paperwork of […] - [Investor Mortgage](https://seimortgage.com/investor-mortgage-solutions/) - [Self-Employed Funnel](https://seimortgage.com/self-employed-funnel/) - [What is Non-QM](https://seimortgage.com/what-is-non-qm-mortgage/): Mortgage Programs Built for Real Life The Challenge of Traditional Mortgages, If you have been turned down for a traditional mortgage, or you are self-employed, a freelancer, gig worker, or real estate investor, you might think homeownership or expansion is out of reach. The truth is, it is not. Traditional mortgages, known as Qualified Mortgages (QM), follow strict government rules. They are designed for W-2 employees with simple income that is easy for lenders to verify and sell to agencies like Fannie Mae or Freddie Mac. For salaried employees, this system works well. But for millions of modern borrowers, it […] - [DSCR Calculator](https://seimortgage.com/dscr-calculator/): DSCR and Debt Coverage Calculator Whether you’re planning standard loan payments or exploring DSCR scenarios - [Contact Us ](https://seimortgage.com/contact-us/): Ready to get started? Contact us today! - [About Us](https://seimortgage.com/about-us/): Our Mission At SEI Mortgage, our mission is to empower those often overlooked by traditional banks. From self-employed professionals and gig workers to entrepreneurs and real estate investors, we provide mortgage solutions that reflect your true financial picture. We believe hard work and smart business decisions should open doors, not close them, which is why we create opportunities for homeownership and real estate investing when banks fall short. Call Today! 800-401-1363 Explore My Options Flexible Mortgage Solutions for Real Borrowers SEI Mortgage offers a wide range of programs designed for borrowers with unique financial situations. From bank statement loans and […] - [Calculators](https://seimortgage.com/calculators/) - [Blog](https://seimortgage.com/mortgage-blog/) - [Thank You](https://seimortgage.com/thank-you/): Thank You! 🎉 We’ve received your information, and we’re excited to help you explore your home loan options! - [Find My Best Mortgage](https://seimortgage.com/find-my-best-mortgage/) - [P&L Loan](https://seimortgage.com/pl-loan/): Qualify with a P&L Loan For self-employed borrowers and business owners, tax returns often understate real income. Deductions and write-offs may be smart at tax time, but they make it harder to qualify for a traditional mortgage. That’s where a Profit and Loss (P&L) Loan comes in. Instead of using W-2s, pay stubs, or tax returns, a P&L Loan lets you qualify with a CPA- or EA-prepared Profit and Loss statement. By focusing on your business’s revenue and expenses, lenders can see the true strength of your company and your ability to repay, without penalizing you for smart tax strategies. […] - [Non-Qualified Mortgage](https://seimortgage.com/non-qualified-mortgage/): Non-Qualified Mortgage Non-Qualified Mortgage Call Today! 310-569-8643 I’m looking to purchase I’m looking to Refinance Why Self-Employed Borrowers StruggleIf you are self-employed, your tax returns do not always tell the full story. You might bring in $250,000 a year, but after deductions and write-offs, your taxable income could show as only $60,000. Big box banks and lenders focus on that lower number, your adjusted gross income, instead of the real cash flow that supports your lifestyle and business. Why Investors StruggleReal estate investors face a different roadblock. Even if a property generates strong rental income, QM lenders often focus on your […] - [1099 Income Loan](https://seimortgage.com/1099-income-loan/): Unlock Homeownership with a 1099 Loan If you’re an independent contractor, consultant, or gig worker, you probably take advantage of tax deductions to minimize taxable income. While that’s smart during tax season, it often becomes a roadblock when applying for a mortgage — because traditional lenders only see your reduced net income.  Whether you’re a first-time homebuyer or an experienced self-employed borrower, a 1099 loan solutions provide the stability, flexibility, and speedy process to  Call Today! 800-401-1363 Explore My Options The 1099 Loan Program allows you to qualify based on your gross 1099 income, not what’s left over after deductions. Why Choose […] - [Private Money Loan](https://seimortgage.com/private-money-loan/): Private Money Loans: Fast, Flexible Funding In real estate, speed often determines who gets the deal. Traditional mortgages can take weeks to approve and require extensive documentation, leaving many investors waiting while opportunities pass by. Private Money Loans offer a faster, more flexible path. These short-term loans focus on the property being purchased or pledged as collateral, not just the borrower’s tax returns or credit history. For real estate investors, developers, and entrepreneurs, private money financing can be the difference between closing quickly or missing out on a profitable opportunity. Call Today! 800-401-1363 Explore My Options What This Loan Is […] - [Fix and Flip](https://seimortgage.com/fix-and-flip-loans/): Fix and Flip Loans: Flexible Financing for Real Estate Investors Finding the right property is only half the battle. Securing fast, reliable financing is what allows investors to actually close deals and turn opportunities into profits. Traditional banks often can’t move quickly enough, and their requirements rarely fit the needs of real estate entrepreneurs. That’s where Fix and Flip Loans, also called Residential Transition Loans (RTL), come in. These short-term, investment-focused mortgages are designed specifically for purchasing, renovating, and selling properties — or for holding them long enough to refinance into a long-term rental loan. Call Today! 800-401-1363 Explore My […] - [DSCR Loans](https://seimortgage.com/dscr-loans/): DSCR Loans for Investment Properties If you are a real estate investor, you know that traditional mortgages often require personal income documentation, tax returns, and strict debt-to-income limits. That creates roadblocks, even if your rental properties are producing strong cash flow. A Debt Service Coverage Ratio (DSCR) Loan removes those barriers. Instead of focusing on your personal income, lenders qualify you based on the income generated by the property itself. This makes it easier to purchase, refinance, or expand your portfolio without tax returns or W-2s standing in the way. Call Today! 800-401-1363 Explore My Options Why Choose a DSCR […] - [Asset Qualifier](https://seimortgage.com/asset-based-mortgage-loans/): Asset-Based Mortgage Solutions Traditional lending often focuses on income and employment history, but what if you have already built substantial assets and want to leverage them? Asset-Based Mortgage Programs provide a smarter way to qualify. Instead of relying on W2s, tax returns, or pay stubs, these programs use your verified assets to demonstrate your ability to repay. For retirees, self-employed borrowers, investors, and high net worth individuals, asset-based loans offer a path to financing that reflects true financial strength, not just taxable income. Call Today! 800-401-1363 Explore My Options What This Loan Is An Asset-Based Loan, sometimes called asset depletion […] - [Closed-End Second Mortgage](https://seimortgage.com/closed-end-second-dscr-heloan/): Closed-End Second Mortgages & DSCR HELOANs Sometimes you want to unlock the equity in your home without refinancing your first mortgage. A Closed-End Second Loan, often called a HELOAN (Home Equity Loan), makes this possible. Unlike a HELOC that works like a revolving credit line, a HELOAN provides a lump sum of cash upfront. Your payments are fixed, predictable, and spread over the life of the loan. For self-employed borrowers and real estate investors, this is a straightforward way to access cash without disturbing your existing mortgage. Call Today! 800-401-1363 Explore My Options What This Loan Is A Closed-End Second […] - [Bank Statement Loans](https://seimortgage.com/bank-statement-loans/): What Is a Bank Statement Loan? If you are self-employed or do not receive a traditional paycheck, qualifying for a mortgage can feel like an uphill battle. A Bank Statement Loan is a flexible option that uses your bank deposits to verify income instead of relying on tax returns or W-2s. Lenders review 12 to 24 months of your bank statements to understand your real cash flow and ability to repay. This gives business owners, freelancers, and others whose tax returns do not reflect their full income a fairer path to home financing. Call Today 800-401-1363 Explore My Options Who […] - [Home](https://seimortgage.com/): Self Employed and Investor Mortgage Solutions We understand real income and real opportunity. At SEI Mortgage, we help self employed borrowers and real estate investors qualify using cash flow, bank statements, and creative programs that traditional lenders overlook. Call Today! 800-401-1363 Explore My Options Flexible Mortgage Solutions for Real Borrowers Mortgages Designed for the Self Employed and Investors At SEI Mortgage, our mission is to empower those often overlooked by traditional banks. From self employed professionals and gig workers to entrepreneurs and real estate investors, we provide mortgage programs that reflect your true financial picture. We believe hard work and […] - [Apply Now](https://seimortgage.com/apply-now/) - [Mortgage Calculator](https://seimortgage.com/mortgage-calculator/) ## Optional - [Agent (MCP protocol)](websites-agents.hostinger.com/seimortgage.com/mcp) [comment]: # (Generated by Hostinger Tools Plugin)