We understand self-employed borrowers.
Sometimes your income doesn’t show up clearly on your tax returns. Other times, it’s there — just buried under legitimate business deductions, depreciation, or multiple revenue streams. When that’s the case, our analysts know how to identify and properly calculate qualifying income from even the most complex tax returns.

And sometimes, self-employed tax returns simply can’t be used to qualify for a mortgage at all. When that happens, you’re not out of options — you’re just looking at the wrong ones. We offer a wide range of alternative programs designed specifically for self-employed borrowers whose income doesn’t fit traditional lending guidelines.

Why Traditional Loans Fail Self-Employed Borrowers

Traditional mortgage guidelines were built for W-2 employees with predictable paychecks — not business owners. If you’re self-employed, it’s common to legally reduce taxable income through write-offs, depreciation, mileage, equipment purchases, or reinvesting back into your business. While smart for taxes, those same strategies can make qualifying for a mortgage unnecessarily difficult.

Many lenders rely strictly on net income shown on tax returns, even when that number doesn’t reflect your true earning power. Others lack the experience to properly analyze complex returns involving multiple businesses, K-1s, partnerships, or fluctuating revenue. The result? Strong borrowers being told “no” for the wrong reasons.

Our Self-Employed Loan Options

When traditional tax-return lending doesn’t work, we don’t stop — we pivot. We offer a variety of self-employed mortgage programs designed to evaluate real cash flow, assets, and overall financial strength, not just a single line on a tax form.

Depending on your situation, you may qualify using:

Bank statement loans (typically 12–24 months)

Profit & loss–based qualification prepared by a CPA

Multiple business or income stream analysis

Alternative documentation programs for entrepreneurs and freelancers come in many shapes and sizes.

These options allow many self-employed borrowers to qualify even when tax returns alone won’t support a traditional loan.

What to Expect

Because these loans offer greater flexibility, they may require higher credit scores, larger down payments, or additional reserves compared to conventional financing. Interest rates can also be slightly higher, reflecting the customized underwriting and reduced documentation standards. However, for many business owners, these programs provide access to homeownership that would otherwise be unavailable.

Every self-employed borrower is different. Strong credit, solid cash flow, and healthy reserves can often offset perceived risk — which is why a proper review matters.

Work With Specialists Who Get It

We specialize in self-employed and complex income scenarios. Our process starts with a smart, upfront income review so you know your options before wasting time or risking a denial. Whether your income is buried in your tax returns or needs an alternative approach altogether, we’ll help you identify the right path forward.

If you’re self-employed and unsure how you’ll qualify — or you’ve already been told no — let’s take a closer look. The right loan may already be within reach.