The Entrepreneur
Loan Options Designed for the Self-Employed
Self-employed buyers don’t fit into traditional lending boxes — and that’s a strength, not an obstacle. These loan options are built specifically for entrepreneurs, business owners, contractors, creatives, and high-net-worth clients whose income is structured differently. Each program is designed to reflect the true financial health of your business, not just what shows on paper after write-offs.
Bank Statement Loans
Ideal for entrepreneurs who reinvest into their business and show lower taxable income on returns.
Lenders average 12–24 months of business or personal bank statements to determine qualifying income, focusing on cash flow rather than deductions.
This is one of the most flexible and realistic options for modern business owners.
P&L-Only Loans
Designed for established businesses with strong revenue and healthy operations.
A licensed CPA prepares a year-to-date Profit & Loss statement, which is used as the primary income documentation — no tax returns required.
Perfect for high-earning entrepreneurs who want easier approval and faster timelines.
1099 Loans
For independent contractors, commission-based earners, and gig-economy professionals who receive a steady flow of 1099 income.
Instead of tax returns, income is calculated using your 1099 earnings, allowing you to qualify even if write-offs reduce taxable income.
Asset-Based Loans
Built for high-net-worth individuals whose wealth is held in investments, savings, or business accounts rather than salaried income.
Your assets — not your tax returns — determine your ability to qualify.
This option is ideal for entrepreneurs who want liquidity and flexibility while still leveraging their financial strength.
Conventional or FHA Self-Employed Options
Traditional programs remain excellent choices when your tax returns show stable income, even if your business structure is complex.
Lenders average your last 1–2 years of business income and add back certain eligible deductions, making these options more accessible than most entrepreneurs expect.
DSCR Loans (Investor-Focused)
Designed for business owners building rental portfolios or investing in property.
These loans qualify you based on the property’s rental income — not your personal finances.
If the rent covers the mortgage, you qualify. It’s that simple.
Together, these programs give business owners, and entrepreneurs the freedom to buy a home — or build a portfolio — without sacrificing cash flow, growth, or the way their finances are structured. Real estate should support your life and business, not interfere with it.
