Self-employed
Your tax returns don't tell the whole story.
Every write-off that helps you in April can hurt you at the closing table. Banks read one number off a tax return and stop there. I work with lenders who will look at 12 or 24 months of bank statements, a profit and loss statement, your 1099s, or your assets instead. Same house, different math.
Seeing your options takes no hard credit pull, so your score is not affected. About 60 seconds.
Why this page exists
I grew up watching the write-offs win.
My dad was self-employed the whole time I was growing up. He worked constantly and provided for us, and our home was never short on love or character. On paper, though, he barely existed: every legitimate write-off that kept the business alive also shrank the income a bank would count. We never owned the home we lived in.
I didn't understand why as a kid. Now it's my job to understand why, and to know every program built so the number on your tax return doesn't get the final word. Self-employed borrowers aren't a niche to me. They're the reason I take this personally.
If you've been told no because of how your income reads on paper, that no was one lender's answer. It wasn't the market's.
Alternative documentation, not no documentation.
These are fully underwritten loans. The difference is what counts as proof of income: real deposits, real business performance, real assets, instead of one line on a tax return.
Bank statement loans
Qualify on 12 or 24 months of real business or personal deposits. The lender reads what your business actually brings in, not what's left after write-offs.
P&L statement loans
Qualify on a profit and loss statement prepared by your CPA or tax preparer. Useful when deposits run through several accounts.
1099 income loans
Qualify primarily on your 1099 income, subject to the lender's documentation and underwriting requirements. Built for contractors, gig workers, and commission earners whose gross income is strong.
Asset depletion
Your savings, investments, and retirement accounts become qualifying income by formula. Built for retirees and anyone whose balance sheet is stronger than their pay stubs.
Buying rentals instead? DSCR loans qualify the property's rent, not your tax returns. See investor programs.
Four steps, no surprises.
More than 25 of my 100+ lenders focus specifically on alternative documentation. Matching your file to the right one happens before anything touches your credit.
Tell me how you get paid
Seeing your options takes about 60 seconds. No hard credit pull.
I match your file
Your scenario goes against the lenders whose guidelines fit the way your income reads.
You see real options
Programs, trade-offs, and honest numbers in plain English. Including the truth if the answer is not yet.
You decide
No pressure, no pitch. When you're ready, we move, and I stay on it through closing.
What self-employed borrowers ask me first.
Do I need two years of self-employment history?
Will my write-offs count against me?
Is this subprime?
What about down payment and credit?
Are the rates higher than a conventional loan?
Your income is real. Let's make it count.
Tell me how you get paid and I'll show you what's actually available. Free, honest, and no hard credit pull to start.