Self-employed income, verified at source. The end of stated income.
24 months of IRS-verified income through 4506-C IVES. Schedule C, K-1, 1099, W-2 parsing. Cash-flow analysis against Plaid bank-statement data. CREB to your LOS in under 5 minutes for $9.95-$49.95. Cryptographically sealed. FRE 902(14) admissible.
Specialty processors. $50-$150 per file. 5-10 day turnaround.
Today's broken processNon-QM and DSCR lending requires income documentation that doesn't fit the standard W-2 box. Self-employed borrowers, business owners, contract workers, real-estate professionals - their income is real, but proving it takes specialty processors, $50-$150 per file, 5-10 day turnarounds, and underwriter fatigue. JIL IncomeVerify Non-QM pulls 24 months of IRS-verified income directly through IVES, parses Schedule C / K-1 / 1099 / W-2 components, runs cash-flow analysis against bank statements pulled from the borrower's institution, and delivers a Court-Ready Evidence Bundle to the lender's LOS in under 5 minutes.
Pricing.
4 SKUs · from $9.95| SKU | Price | Use case | |
|---|---|---|---|
| IncomeVerify W-2Standard wage borrower | $9.95 | Standard W-2 borrower, 2-year IRS pull | Choose → |
| IncomeVerify Self-EmployedSchedule C / K-1 / 1099 | $19.95 | Schedule C, K-1, 1099 parsing with cash-flow analysis against Plaid data | Choose → |
| IncomeVerify DSCRInvestor real estate | $29.95 | Investor-grade real-estate income with rental schedule reconciliation | Choose → |
| IncomeVerify Lender APIEmbedded in LOS | contact | Encompass, ICE Mortgage, MeridianLink integrations. $4,995/year base + $9.95-$24.95 per file based on tier. | Lender API → |
Embed IncomeVerify in your LOS. Underwrite at the speed of software.
Direct integration with non-QM lender LOS systems (Encompass, ICE Mortgage, MeridianLink). Mortgage brokerage networks deploy as borrower pre-qualification. DSCR-focused platforms surface IncomeVerify in the property-application flow. $4,995/year base + $9.95-$24.95 per file.
IncomeVerify Non-QM CREBs reflect IRS transcript data and institution-pulled cash flow at the time of issuance. JIL does not provide underwriting recommendations, credit decisions, or qualified mortgage determinations. Lenders remain responsible for all underwriting determinations and compliance with applicable lending regulations including ATR/QM rules, ECOA, FCRA, RESPA, and TILA. JIL Sovereign Technologies, Inc. is not a lender, mortgage broker, or credit bureau.