Who is considered self-employed
Self-employed applicants are individuals who operate their own business or work independently, rather than being employed by another organization.
Required documents
Two Dots policy requires self-employed applicants to either provide one of the following as official proof of income:
Tax Transcript
Bank Linking or 3 months of Personal Bank Statements
Tax Transcripts:
One of the following must be downloaded directly from the IRS website:
Record of Account Transcript
Account Transcript
Tax Return Transcript
Bank Statements / Bank Linking:
Applicants may verify income using average monthly deposits and assets in their personal bank account.
Business bank statements are not accepted. Business accounts often include non-income transactions (such as expenses), making it difficult to accurately assess income.
Applicants must provide recent PDF bank statements downloaded directly from their bank’s website – or securely link their personal bank account through the Two Dots portal for verification.
Accepted | Not Accepted |
Tax Transcripts | Paystubs |
Personal Bank Statements | Business Bank Statement |
Bank Link | Individual Tax Returns |
Need help?
For questions about income verification or document requirements:
Support: applicant.support@twodots.net