Self-Employed & Business-Owner Mortgages

Self-Employed?
Here's how you qualify.

Bank statement, P&L, and asset-based mortgage programs for self-employed borrowers who don't fit the conventional tax-return mold.

Call (480) 400-5626 See My Options

Years Originating

2,400+

Families Helped

States Licensed

Cost to Find Out

The write-offs that helped your taxes just hurt your mortgage

In 24 years of originating mortgages, I've watched smart tax strategy work against smart borrowers. The deductions that lower what you owe the IRS also lower the income a lender sees on paper.

That's not a flaw in your business. It's a mismatch between how self-employed income works and how conventional underwriting reads it. Non-QM programs qualify you on what you actually bring in, not just your taxable line.

If rental property is part of the picture, my investment property and DSCR loan programs cover that side too.

12-24 mo

Bank statement income

Lenders average 12 or 24 months of personal or business deposits to calculate what you actually earn. See how it works.

CPA P&L

P&L statement income

A profit-and-loss statement from your CPA replaces tax returns as your income document, built for complex entities and depreciation.

Assets

Asset-based qualifying

Liquid assets such as brokerage, retirement, or savings accounts are divided over a set term to calculate a monthly income.

$3M+

Loan amounts available

Non-QM programs go up to $3M or more for strong borrower profiles, across all three qualification paths.

Three ways to qualify without tax returns

Each program uses a different income source. I'll help you find the one that fits, sometimes it's a combination of two.

Bank Statement Loan

The lender averages 12 or 24 months of deposits from your bank statements to calculate income, instead of reviewing your tax returns. It's the most common non-QM path for self-employed borrowers.

P&L Statement Loan

A profit-and-loss statement prepared by your CPA replaces tax returns as the income document. Works well for multiple entities or heavy depreciation.

Asset-Based Loan

Significant liquid assets, investment or retirement accounts, savings, are divided over time to calculate a qualifying income. No employment verification required.

How the process works

Non-QM has a few extra moving parts compared to a conventional loan. Here's what to expect from start to close.

Initial conversation

We talk through your income situation, business structure, and deposit patterns to find the program that fits.

Document collection

You gather 12 to 24 months of bank statements, or a CPA-prepared P&L. We calculate your qualifying income before anything is submitted.

Lender selection

I shop your file to the non-QM lenders whose guidelines and pricing match your profile. You get options, not a take-it-or-leave-it offer.

Underwriting and close

Because I pre-underwrite every file, conditions are anticipated in advance. Fewer surprises, and we close on time.

Talk to Ken Starks, not a call center

You work directly with me from the first call to closing. I'm an independent broker, so I shop your file across the lenders who write bank statement, P&L, and asset-based loans, instead of quoting one company's guidelines. If a program doesn't fit your numbers, I'll tell you that too.

Independent broker

NMLS #173595

24 years

Originating mortgages

All 50 states

Licensed nationwide

Call (480) 400-5626

Questions I hear every day

Self-employed mortgage programs are more complex than conventional loans. Here are the questions I get most often.

Can I get a mortgage if my tax returns show low income?+

Yes, and this is exactly the situation these programs were designed for. Bank statement and P&L loans qualify you on actual cash flow, not taxable income. If you write off significant business expenses, which is smart tax strategy, conventional lenders hold that against you. Non-QM lenders don't. Learn more about non-QM loans.

How many months of bank statements do I need?+

Most programs require 12 or 24 months of personal or business bank statements. The lender averages your deposits over that period, then applies an expense factor, often around 50 percent, to business accounts for operating costs.

What's the difference between a bank statement loan and a P&L loan?+

A bank statement loan uses your actual deposit history, averaged over 12 or 24 months. A P&L loan uses a profit-and-loss statement from a licensed CPA instead of tax returns. Some lenders accept a combination of both.

How much can I borrow?+

Loan amounts vary based on your deposit averages, credit score, down payment, and property type. Many non-QM programs go up to $3M or higher for strong profiles. Run your own numbers with our mortgage calculator, then we'll confirm your real number before you start house hunting.

Will I pay a higher rate than a conventional borrower?+

Typically, yes, and I won't pretend otherwise. Non-QM programs carry higher rates because they don't meet the agency guidelines required to sell to Fannie Mae or Freddie Mac. The real question is whether owning this home now makes more sense than renting or waiting.

See which program fits your business

Real answers for your income and your goals, not a generic quote. No cost, no obligation, and a straight answer either way.

✓Bank statement, P&L, and asset-based comparison
✓Qualifying income calculated before you apply
✓Multi-lender non-QM rate and guideline shop
✓A straight answer on what you'll qualify for

Prefer to talk it through first? Call (480) 400-5626

See your mortgage options

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