Today

Your week

My 7 Days

One focused action a day. Your checkmarks in the Kit show up here. Open any day, in any order.

Before you start

Read this part.

Most agents who read something like this skim it, agree with it, and change nothing. The reason isn't laziness. It's that "pick a niche" is advice, not instructions, and advice doesn't survive contact with a Tuesday.

So this kit is built differently. Seven days. One main action each. Every day produces something that exists when you're done: a list, a profile, a post, a conversation.

Specializing isn't excluding. You still serve everybody. You've just given one valuable group a reason to choose you, and a reason to remember you.

Each day opens with today's task. Below it is the why and the how: who you're looking for, why it works, and exactly what to do. At the bottom of each day are your tracked actions, each with step-by-step instructions and messages you can copy. Check a box when it's done.

The one rule for the whole kit: ask, don't diagnose. You gather the story; a licensed mortgage professional reviews the numbers. Never quote a rate, a payment, or whether someone qualifies. When money comes up, use Mortgage Programs for the programs that exist and what to ask, or the free 24/7 Self-Employed Strategy Desk for a general, anonymous read.

View the full guide

When you need them

Tools

Everything that supports your seven days, in one place.

Includedyours to useLimiteda starter versionComplete Systemin the full program

Support

Help

Replay the quick tour

Questions? Reach out.

If anything is unclear or you need guidance, contact me directly. I am glad to help.

Ian Stockman
The StockmanTeam
267-773-6565
ian@startsebcs.com

Your progress and backup

Your progress is automatically saved in this browser. It will be here when you return using the same browser and device. Progress does not automatically sync between devices. To keep a copy or move it, download a backup and restore it in the other browser.

Add to your home screen

Open the Kit in one tap, like an app.

iPhone, in Safari

Tap the Share icon at the bottom of the screen.
Scroll down and tap Add to Home Screen.
Tap Add.

Android, in Chrome

Tap the three dots at the top right.
Tap Add to Home screen or Install app.
Tap Add or Install.

← Tools

Free preview

24/7 Self-Employed Strategy Desk

Describe a self-employed buyer in general terms and get options worth exploring, questions to ask, and how to explain it. No names, amounts, or documents. For a real buyer, with their permission, bring in a licensed mortgage professional.

← Tools

Attract owners

Lead Magnet Generator

Build a simple guide you can hand to business owners so they come to you.

← Tools

Know the options

Programs

The four self-employed paths, in plain language, so you know what to ask a lender about.

At a glance

Four ways around the tax return

Program	Used instead of tax returns	Credit from	Down on a primary home, from	Loan amounts
Bank Statement	12 or 24 months of bank statements	600	10%	$100K to $4M
1099 Only	1 or 2 years of 1099s	600	10%	$100K to $4M
P&L Only	12 or 24 month P&L from a CPA, EA, or CTEC	680	20%	$100K to $2M
Asset Qualifier	Savings and investments. No income documents	600	10%	$100K to $3M

The lowest down payments go with stronger credit and smaller loans. Lower scores and bigger loans need more down. All four allow primary homes, second homes, and investment properties.

← Tools

Real situations