Mortgage Solutions for Entrepreneurs & Business Owners
Don’t let self-employment keep you from homeownership. I specialize in alternative documentation loans that work with your business income, not against it. From bank statement loans to asset-based financing, I have the expertise to get you approved when traditional lenders say no.
Self-Employed Solutions
12-24
Months Bank Statements
620+
Credit Score
10-30%
Down Payment
20+
Specialized Lenders
Self-Employed Mortgage Programs
Multiple loan options designed specifically for business owners, entrepreneurs, and self-employed professionals who don’t fit traditional lending boxes.
Bank Statement Loans
Income Verification via Bank Deposits
Qualify using bank deposits instead of tax returns – perfect for business owners who write off expenses.
Key Benefits:
- No tax returns required
- Use gross bank deposits
- 12 or 24-month options
- Multiple bank accounts accepted
Requirements:
- 12-24 months bank statements
- 660+ credit score
- 10-25% down payment
- Business license/CPA letter
Best For: Business owners with significant write-offs reducing taxable income
Asset-Based Loans
Qualify Based on Assets, Not Income
Use your assets to qualify for a mortgage when traditional income verification isn’t possible.
Key Benefits:
- No income verification
- Asset depletion calculation
- Liquid and retirement assets
- Fast approval process
Requirements:
- Significant liquid assets
- 680+ credit score
- 20-30% down payment
- Asset documentation
Best For: High-net-worth individuals with substantial assets but complex income
DSCR Investment Loans
Debt Service Coverage Ratio
Perfect for self-employed real estate investors – qualify based on property cash flow, not personal income.
Key Benefits:
- No personal income verification
- Property cash flow qualification
- Multiple property financing
- Self-employed investor friendly
Requirements:
- Investment property focus
- 640+ credit score
- 20-25% down payment
- Property rent analysis
Best For: Self-employed real estate investors building portfolios
P&L Statement Loans
CPA-Prepared Financial Statements
Use CPA-prepared profit and loss statements to demonstrate business income and qualify for financing.
Key Benefits:
- CPA-prepared statements accepted
- Business income verification
- Professional documentation
- Competitive rates available
Requirements:
- CPA-prepared P&L statements
- 640+ credit score
- 15-20% down payment
- Business tax ID
Best For: Established businesses with professional accounting
Business Types We Specialize In
I work with all types of self-employed professionals and understand the unique aspects of different business models.
Contractors & Trades
Examples:
- General contractors
- Electricians
- Plumbers
- HVAC specialists
Common Programs:
Professional Services
Examples:
- Consultants
- Attorneys
- Accountants
- Real estate agents
Common Programs:
Technology & Freelancers
Examples:
- Software developers
- Designers
- Writers
- Digital marketers
Common Programs:
Real Estate Investors
Examples:
- Property flippers
- Rental owners
- Wholesalers
- Developers
Common Programs:
Healthcare Professionals
Examples:
- Private practice doctors
- Dentists
- Therapists
- Veterinarians
Common Programs:
Retail & Restaurant Owners
Examples:
- Restaurant owners
- Retail stores
- Franchise owners
- E-commerce
Common Programs:
Why Choose a Self-Employed Mortgage Specialist?
Traditional lenders don’t understand self-employed borrowers. I do, and I have the specialized programs to prove it.
Self-Employed Expertise
I understand the unique challenges self-employed borrowers face and have specialized solutions.
Multiple Lender Network
Access to 20+ lenders with self-employed programs, not just traditional banks.
Alternative Documentation
Expert guidance on which documents work best for your specific business situation.
Business Finance Understanding
I speak your language: business cash flow, write-offs, and financial strategies.
Common Self-Employed Challenges & My Solutions
I understand the unique challenges self-employed borrowers face. Here’s how I solve the most common problems.
Challenge: Tax Write-Offs Reduce Qualifying Income
My Solution:
Bank statement loans use gross deposits, not net taxable income
Challenge: Irregular Income Patterns
My Solution:
Lenders average income over 12-24 months for stability
Challenge: Complex Business Structures
My Solution:
Specialized underwriters understand LLCs, S-Corps, and partnerships
Challenge: Limited Documentation
My Solution:
Alternative doc programs accept bank statements, P&Ls, and asset statements
Challenge: Seasonal Business Fluctuations
My Solution:
Lenders consider business cycles and seasonal patterns
Challenge: New Business Concerns
My Solution:
Some programs accept businesses as young as 12 months old
Documentation Tips for Success
Proper documentation is key to self-employed mortgage approval. Here’s how to prepare for success.
Organize Bank Statements Properly
Ensure all business deposits are clearly identifiable and separate personal from business accounts.
Work with a CPA
A CPA letter explaining your business and income can strengthen your application significantly.
Maintain Consistent Deposits
Regular, consistent business deposits show stability and improve qualification chances.
Document Business Expenses
Keep clear records of business expenses that reduce your taxable income but don’t affect cash flow.
Your Self-Employed Mortgage Process
A specialized approach designed specifically for business owners and self-employed professionals.
Business & Income Analysis
We’ll analyze your business structure, income patterns, and documentation options.
- Review business structure and income
- Analyze tax returns and write-offs
- Discuss documentation options
- Calculate qualifying income potential
- Recommend best loan programs
Documentation Strategy
Develop the optimal documentation strategy for your specific business situation.
- Gather required business documents
- Prepare bank statements or P&Ls
- Organize asset documentation
- Review with CPA if needed
- Submit to specialized lenders
Specialized Underwriting
Work with lenders who understand self-employed borrowers and business finances.
- Submit to self-employed specialists
- Provide business explanations
- Address underwriter questions
- Negotiate terms and conditions
- Secure loan approval
Closing & Homeownership
Complete your mortgage and achieve homeownership despite self-employment challenges.
- Finalize loan terms
- Complete property appraisal
- Satisfy final conditions
- Schedule closing
- Celebrate your new home!
What Clients Are Saying
Real Stories. Real Results. People trust me because I listen, explain things clearly, and make the process smooth.
Self-Employed Mortgage Questions
Get answers to the most common questions about self-employed mortgage financing.
Can I get a mortgage if I've only been self-employed for one year?
Yes! Some programs accept borrowers who have been self-employed for as little as 12 months, especially if you have previous experience in the same field or strong bank statements showing consistent income.
Do I need to provide tax returns for self-employed mortgage programs?
Not always. Bank statement loans and asset-based programs don’t require tax returns. However, some lenders may still want to see them for additional verification, even if they’re not used for income calculation.
How do lenders calculate my income from bank statements?
Lenders typically average your monthly deposits over 12 or 24 months, then apply a percentage (usually 50-75%) to account for business expenses. The exact calculation varies by lender and program.
What if my business has seasonal fluctuations?
Lenders understand seasonal businesses. They’ll look at your annual income patterns and may average over 24 months to get a more accurate picture of your earning capacity.
Can I use multiple bank accounts for qualification?
Yes, most bank statement programs allow you to combine deposits from multiple business accounts. You’ll need to provide statements for all accounts used for income calculation.
What credit score do I need for self-employed mortgage programs?
Credit score requirements vary by program. Bank statement loans typically require 620+, while asset-based programs may require 680+. Higher scores get better rates and terms.
Are interest rates higher for self-employed borrowers?
Alternative documentation programs typically have slightly higher rates than traditional mortgages, usually 0.25% to 1% higher, depending on the program and your qualifications.
Can I buy an investment property as a self-employed borrower?
DSCR loans are perfect for self-employed real estate investors since they qualify based on the property’s cash flow rather than your personal income.
Ready to Get Your Self-Employed Mortgage Approved?
Don’t let self-employment keep you from homeownership. I have the specialized programs and expertise to get you approved when traditional lenders can’t help. Let’s discuss your business and find the right solution.
Business owner consultation • Alternative documentation • Specialized lender network
