You built a business.
A W-2 shouldn’t decide if you get a home.
Tax deductions are great in April and terrible at loan time — they shrink the income banks see on paper. Our self-employed programs qualify you on your real cash flow instead.
🏦 Bank Statement Loans
Qualify on 12–24 months of business or personal bank deposits — no tax returns required. Ideal for owners with strong revenue and smart accountants.
📄 1099 Programs
Contractors, freelancers, gig professionals: qualify on 1099 income directly, without averaging away your best years.
📊 P&L Statement Loans
Some programs qualify you with a CPA-prepared profit & loss statement — a fit for established businesses with clean books.
🏠 Buying Rentals? Use DSCR
For investment properties, skip personal income entirely — the property’s rent does the qualifying. See DSCR loans →
✅ Full-Doc Still Works
Two solid years of tax returns? Conventional and FHA remain on the table — often at the best rates. Compare conventional →
💡 Pro Tip
Planning a purchase next year? Talk to us before tax season — the deductions you take now shape the income we can use then.
Banks see your tax returns. We see your business.
Bring 12 months of bank statements and 15 minutes. We’ll show you what you actually qualify for.
Related: all specialty loans · Learning Center · today’s rates