: Lenders use your liquid assets (savings, stocks, retirement accounts) to calculate a "theoretical" monthly income. For example, a lender might divide your total assets by 360 months to determine qualifying income.
: Lenders often demand a minimum score of 680 to 720 for those without W-2 income, compared to roughly 620 for traditional borrowers. can i buy a house with no job
Can You Get a Mortgage Without a Job in 2026? 8 Ways to Qualify : Lenders use your liquid assets (savings, stocks,